Uploading your documents to Better.co.uk

You'll need either a passport or driving licence.

If you plan to use your driving licence as proof of address, you'll need to use something else for ID. You can only use a form of ID once.

We also accept:

• current national identity cards or UK Border Agency identity cards

• HMRC Registration Card CIS4 for construction industry employees

• firearms certificates or shotgun licences

• residence permits issued by the Home Office to EEA nationals

This can be your:

• latest council tax bill

• driving licence

• utility bill dated in the last 3 months from the property address on your application

• bank statement or credit card statement within the last 3 months

All forms of proof of address

There are many ways you can prove your address.

Here’s a full list of documents we can accept:

• current photocard driving licence* (full or provisional)

• current full paper style driving licence (provisional not acceptable)

• housing benefit letter or document (within 12 months)

• council tax benefit letter or document (within 12 months)

• tax credit letter or document (within 12 months)

• pension book or notification letter (within 12 months)

• grant notification – eg educational (within 12 months)

• current tax code notification or assessment (not P60 or P45) (within 12 months)

• utility bill (within 3 months)

• bank statement or credit or debit card statement (within 3 months)

• current council tax demand letter or statement (within 12 months)

• council or housing association rent card or tenancy agreement (within 12 months). Reputable landlords are also acceptable

• original notification letter from benefits agency or local authority confirming your right to UK benefits (dated within the last 4 months)

• mortgage statement issued by a UK financial sector firm (within 12 months)

• grant of probate or power of attorney

• TV licence (within 12 months)

• vehicle registration or tax renewal document (within 12 months)

• House or motor insurance certificate (within 12 months)

*If you used this for proof of ID you cannot use also this as proof of address.

See below for how to download your online bank statements.

Employed

If you're employed, we’ll need your last:

• 3 months of payslips if you're paid monthly.

• 13 payslips if you're paid weekly

New job

If you’ve just started a new job and do not have 3 months of payslips we’ll need your ​new job contract.

Self employed

If you’re self employed, please send us either your:

• l​ast 2 years of tax year overviews and tax calculations

• your company accounts

We may come back and ask for extra documents depending on your lender.

Find out how to get copies of your tax year overviews and tax calculations.

Pensions

If your source of income is a pension, we’ll need to see your last pension letter and bank statements as proof.

Proof of deposit

If we’ve asked for proof of your deposit we need the last 3 months of bank statements from the savings or current account where you keep your deposit.

If your deposit is from something else like shares or bonds your adviser will talk you through what your lender needs.

Find out how to download bank statements.

Gifted deposit letter

If someone has gifted you money, your Better.co.uk mortgage adviser will need a signed letter from your gifter.

They'll also need the last 3 months bank statements from the gifter’s account.

You can download the letter and upload the signed copy.

Other things you may be asked for

You may also be asked for evidence of:

• any additional income such as bonuses, commission and overtime

• non-earned income such as maintenance, tax credits and child benefit

• right to reside such as visas or residency cards

• additional payslips or return to work letters if you’re on parental leave 

• the date you’ll be returning to work if you’re on furlough due to coronavirus