Structuring a high value mortgage

Use this checklist before beginning your property search or submitting a mortgage application.

Completing these steps early can help avoid unnecessary delays and reduce requests for additional information during underwriting.

☐ I have kept at least one active UK bank account.

☐ I have not accidentally missed payments on any UK credit cards, loans or overdrafts.

☐ My UK credit file remains active and up to date.

☐ I regularly check my UK credit report for errors or missed payments.

☐ I have a reliable UK correspondence ("service") address where appropriate.

☐ My UK banks and financial institutions have my correct contact details.

☐ I can provide clear proof of my overseas residential address.

☐ I have recent utility bills, tenancy agreements, local bank statements or an employment contract showing my overseas address.

☐ My address is consistent across my documentation.

☐ My employment contract clearly explains my role.

☐ My contract demonstrates continuity or explains how it is routinely renewed.

☐ I can obtain an employer letter if further explanation would help.

☐ I can evidence any bonuses, commission or allowances I wish the lender to consider.

☐ I have at least three months' statements for every account through which my salary passes.

☐ My financial trail is straightforward and easy to follow.

☐ I can explain any large or unusual transactions.

☐ I can evidence exactly where my deposit has come from.

☐ I have retained statements showing the full audit trail of my savings.

☐ The relevant family members are willing to fully document any gifted deposit.

☐ If funds have come from overseas, I can evidence their original source.

☐ If I let my previous UK home, I have obtained Consent to Let (or changed to a Buy-to-let mortgage product).

☐ I have evidence of any rental income if applicable.

I am clear whether this property will be:

□ My main residence

□ A future residence after returning to the UK

□ A buy-to-let investment

□ Occupied by a family member

☐ My passport is valid.

☐ My visa or residency documentation is current (if applicable).

☐ My name, address and dates are consistent across all documents.

☐ I have retained copies of historic contracts, payslips and tax documents.

☐ Any foreign-language documents can be translated if required.