Getting Mortgage-Ready
Get Mortgage-Ready with Clear, Straightforward Advice
At Clear Path Mortgages, we handle the heavy lifting for you. We search a wide range of lenders to find options that suit your budget, goals, and circumstances — so you can feel prepared, not overwhelmed.
When you apply for a mortgage, lenders will look at your income, outgoings, credit history, and employment to work out what’s affordable for you. But each lender does this differently.
That’s why two banks might offer very different loan amounts, even with the same information. We use our knowledge of how lenders assess applications to guide you towards options that fit your situation — not just the biggest loan, but the right one.
Documents you’ll need
Lenders are particular about the documents they need to assess your mortgage application. Having these ready early can help avoid delays.
Here’s what most lenders ask for as a minimum:
- Photo ID - valid passport or UK driving licence
- Proof of address
- Payslips - last 3 months plus your most recent P60
- Bank statements - full statements for the last 3 months, from the account where your income is paid
- self-employed, lenders may also ask for: The last 2 years' SA302s and tax year overviews Company accounts or an accountant’s reference
- Proof of deposit - savings/investment statement or gifted deposit letter
- Credit report - a recent copy
Credit Report
Why Your Credit Report Matters
Lenders will use your credit file to help decide how much they may be willing to lend and on what terms. That’s why it’s a good idea to check your credit report before you apply – so you know what they’ll see.
At Clear Path Mortgages, we’ll never judge your score. We’re here to explain how different lenders might view your situation, and help you understand what could improve your options – now or in the future.
You don’t need a perfect credit score to get a mortgage. But checking your report in advance can help avoid surprises and give us a clearer picture when we start comparing lenders.
CheckMyFile gives you a detailed view of your credit history, using information from all major UK credit reference agencies.
- View your full credit history – all major agencies in one report
- Understand your credit score clearly – see how lenders may view you
- Easy cancellation – online or by phone, anytime
- Data security assured – your details are never sold or shared
- Highly rated by users – consistently rated 'Excellent' on Trustpilot