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The documents a lender will ask for

Almost every lender asks for photo ID, proof of address, your last three payslips and three months of bank statements.

They also want to see where the deposit comes from: savings statements, or a signed letter if family members are giving you part of it.

If you are self-employed, expect to show two years of accounts or tax calculations. Having everything ready before you apply can save a week or more.

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