Prove the income
Recent payslips, the latest tax assessment notice and the employment contract let you calculate repayment capacity. For a self-employed borrower, the latest accounts are generally added.
Documents to request · Insurance broker
Mortgage: the documents to ask the borrower for
The checklist of supporting documents to gather to put together a mortgage file and its borrower insurance: income, banking situation, project and health.
A loan file often depends on how complete the documents are. Here is the list brokers most often ask their clients for, to adapt to the bank and the profile.
For: credit and insurance brokers, and bank advisers.
The list of documents to ask for
Identity and contact details
- Valid ID document (front and back)
- Proof of address less than 3 months old
Income
- Last 3 payslips
- Latest tax assessment notice
- Employment contract or employer’s certificate
Banking situation
- Bank statements for the last 3 months
- Proof of personal contribution
- Amortisation tables of current loans
The project
- Sales agreement or purchase plan
- Loan offer (if already received)
- Completed health questionnaire
Indicative list: the exact documents depend on the file, the organisation and the applicable regulations. Only ask for what is necessary.
Why these documents?
Read the banking situation
Three months of statements show how accounts are run, savings and current loans. Proof of contribution confirms the share financed without borrowing.
Frame the project and the insurance
The sales agreement or purchase plan sets the amounts. Borrower insurance relies on a health questionnaire in most cases: check the current conditions, since some situations are exempt depending on the amount borrowed and age.
Common mistakes to avoid
- Sending the request in several parts: one complete list avoids back-and-forth between the client, the broker and the bank.
- Forgetting current loans: their amortisation tables weigh in the debt-ratio calculation.
- Letting the client photograph documents with no instructions: specify that every page must be legible and statements complete.
- Passing on health data by ordinary email: this information is particularly sensitive, use a secure channel.
Frequently asked questions
Which documents does the bank ask for a mortgage?
Generally: ID document, proof of address, recent payslips, tax assessment notice, bank statements for the last three months, proof of contribution and the sales agreement. The exact list varies by bank and by the borrower’s situation.
Is the health questionnaire always compulsory?
Not always: recent rules exempt some borrowers depending on the loan amount and age at the end of repayment. Check the current conditions with the insurer or the bank.
How can you receive health data securely?
Avoid the attachment of a regular email. A private folder with a dedicated link and file scanning limits exposure, and the link can be switched off once the documents are received.
Make client exchanges easier
Receive the documents in one place.
One private folder per client: they upload files without creating an account, every file is scanned, and you see what is missing.
Create my folder