Experienced Loan Sharks
What kind of information do I need to provide on my loan application?
When applying for a loan, you’ll need to provide information to confirm that you are who you say you are; your current and financial debt history; your annual income; plus various other relevant financial information. This is to stop money laundering as well as check your financial suitability for approving an application.
To help speed up any loan process, it makes sense to have the following information and documentation to hand. Typically, these will be required:
Personal:
- Your employment and salary history for the past three years. You’ll also need copies of the last three month’s worth of payslips plus those of your co-borrower if it is a joint application. If you are self-employed, you’ll need to show at least two years’ worth of accounts, unless you are applying for a self-certification mortgage
- Addresses of your residences for the past six years; if you are in rented accommodation, your landlord’s address.
- Your National Insurance number and if it is a joint application, that of co-borrower(s) too
Financial:
- Details of your current income – including overtime or bonuses, dividends, etc. and your current financial commitments (eg £x amount on your credit card each moth; so much for a car loan etc)
- Bank/investment account names and numbers, including balances
- Your last three months’ bank or building society statements for your main account.
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