Documentation preparation

Westminster

I am trying to get everything together that I may need prior to arranging for a broker appointment.

I have my 3 CRA files & all my payslips etc.

My main bank is FirstDirect. I only get online statements from them - will printouts be sufficient or do I need to contact the bank for some original hard-copies? As my primary account, this has my salary going in and all my direct debits etc going out.

I do some spending on a 0% credit card (which can be settled in full if required) so I presume a lender will want to see the statements for this?

I switched from another bank in January of this year and the previous account is now closed. I only had online statements there too - although I think I did download them before I closed the accounts. I also have a couple of dormant current accounts which I never got around to closing (again with no paper statements). Will my main account be sufficient for post-MMR checks etc - or am I going to have to track down hard-copy statements for all the other accounts.

I have a 50k basic salary, around 120k equity in our current property and I am looking to borrow 200-225k for around 65% LTV on a new property.

amnblog

Online statements will normally be OK today if they have your name, sort code, and account number on them.

Westminster

Thanks for that.

To clarify - will I need to contact the dormant banks to get statements and how far back will I need to go?

Paully232000

When we got a mortgage last year we needed 3 full months bank statements and only needed main current account for each applicant, and not our joint account.