When you apply for a mortgage with us, we'll ask to see some documents to help confirm information about you.
We’ll ask for some documents from you to prove:
You can provide these when you complete your Decision in Principle. This may speed up your mortgage application. You can also do this once you've completed your full mortgage application.
To prove you’re permanently employed and your income, we'll need to see your latest payslip. We can accept online payslips in their original file format, but not screenshots. This needs to be your latest payslip.
The key information we need:
If you’ve told us you get extra income, for example a bonus, overtime or commission, we'll need you to send us more payslips.
Please refer to this table for how many payslips we’ll need based on how often you get paid.
If you can't view the whole table, swipe or scroll to show more > > >
| How often you get paid | Number of payslips we need to see |
|---|---|
| Every week | Most recent 8 payslips |
| Every 2 weeks | Most recent 6 payslips |
| Every month | Most recent 3 payslips |
| Every quarter | Most recent 3 payslips |
| Every half year | Most recent 4 payslips |
| Every year | Most recent 2 payslips |
If you're currently employed on a fixed-term contract, you must be employed for a minimum of 12 months, or have at least 24 months remaining on your current contract.
You'll need to provide us with your latest employment contract. It needs to include all pages and must be signed by you and your employer.
If your original contract has been extended, we need to see a copy of the extension letter.
You need to have been self-employed in the UK for at least the last 2 years.
We’ll need to see your latest 2 years of HM Revenue and Customs (HMRC) documents, commercial software calculations or tax computation reports. They must be accompanied by an HMRC online tax year overview.
Tax calculations and the Tax Year Overviews can be printed from your online account. If you don't have an online account, you can contact the HMRC directly.
Or, if you have an accountant, you can give us their name, address, phone number and email address. We'll request an Accountant's Certificate directly from them.
If you're a fixed-term contractor and have been invoicing through your own limited company for 1 to 2 years, we may treat you as an employed fixed-term contractor. If you've been a fixed-term contractor for 2 years or more, you'll be treated either as an employed FTC, or self-employed.
If you're a Nationwide member and fall outside these criteria, please call us on 0345 609 25 30 (Monday to Friday, 8am to 6pm. Saturday 8.30am to 4pm. Closed Sundays and bank holidays).
If you've declared income additional to any employment income, you'll need to provide us with proof of this.
This is not an exhaustive list.
You’ll need to provide the last 3 months of bank statements showing the payment being received.
A copy of your latest award letter from the Department for Work and Pensions (DWP).
We only need to see the pages of the letter that show the benefit being paid and your income position. Please don’t include any medical information.
Please provide your most recent 3 months of bank statements showing a maintenance payment for each month.
If the bank statement is in joint names with the person paying the maintenance, we cannot accept this as a proof.
You'll need to provide:
You’ll need to provide a copy of your latest annual statement from the Pension Service.
We’ll need to see your latest statement. We may also ask for up to 6 months of bank statements, depending on your circumstances.
We accept both paper and online bank statements. If providing us with online versions, please include the HTTP address at the bottom of the page so we know they come from a trusted source.
The key information we need:
When you apply for a mortgage with Nationwide, we may need additional proof of your name and address to verify your identity. This is so that we can meet UK money laundering regulations to help stop criminals from using financial products or services for their own benefit. We'll only ask for enough information to allow us to open your account.
See our proving your identity page for details of how to provide us with your proof of name and address.
If we need to see the deposit in your bank account statements, we’ll let you know in your Decision in Principle.
The number of bank statements we’ll need depends on the location of your savings account:
When you apply, you’ll need to let us know if someone has gifted you money in the last year. If your gift is more than £10,000, we’ll need you to fill in a gifted deposit form. The person gifting you the money, also called the donor, may have to provide us with bank statements to prove that the deposit amount came from their account.
The number of bank statements we’ll need to see depends on where your donor’s savings account is:
We only need these documents if you’re asked for them on your mortgage application. Whether you’re applying for your mortgage online or by Mortgage Adviser, you will need to bring your documents into a branch to be certified.
We accept the following proofs:
There may be circumstances where we need to ask for additional proofs or information, or may not be able to accept the proofs if the application does not meet our criteria.
We welcome applications from non-UK/Irish nationals.
We ask that you:
In order to be considered, you must:
If you do not have indefinite leave to remain, the application must also:
If you're using our new trial remortgage application, you can upload your documents directly to us during the process.
If you’re sending a bank statement, please cross out or cover any visible card numbers before scanning or taking a picture of it.
The card number is the long number that’s usually across the front of debit or credit cards.