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Bimtac is More Than A Checklist

Mortgage Application Checklist 🏠 | BIMTAC | Bimtac

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Mortgage Application Checklist 🏠

The comprehensive list to build a bulletproof financing file and secure your home loan under the best conditions. Don't let a missing document delay your dream home.

#REAL ESTATE#FINANCE#BANKING#ADMIN#HOME BUYING

Administrationv1.0

New

Initial Configuration

Settings influencing the flow of the checklist

Applicants

Technical variable: borrower_count

Single ApplicantJoint Applicants (Couple/Partners)

Employment Status

Technical variable: status

Guide content

🧠 Profile Preparation (3 months before)

Lenders will scrutinize your last 3 months of bank activity. Prepare the ground.

Healthy Bank Statements

No overdraft fees, no returned payments, and no excessive gambling transactions for the last 90 days.

Budget & DTI Calculation

Estimate your borrowing capacity. Aim for a Debt-to-Income (DTI) ratio below 36-43% including the new mortgage.

Permanent / Full-time EmployeeSelf-Employed / Business OwnerContract / Temporary Work

Project Type

Technical variable: project_type

Existing PropertyNew Construction / Pre-constructionRenovation Project

Finalize Down Payment

Ensure you have the down payment plus closing costs (usually 3-5% of the price) ready in your account.

🆔 Personal Records & Current Residency

Passport or Driver's License

Must be valid and unexpired. Required for all applicants.

Marriage Certificate / Partnership Agreement

Conditional

👉 If "Applicants" is "joint"

Proof of Current Address

Utility bill (Electricity, Water, Council Tax) dated within the last 3 months.

Last 2 Years of Tax Returns

Essential for verifying income history (W-2s, P60s, or full tax transcripts).

💼 Income & Employment Verification

Last 3 Months of Payslips

Conditional

👉 If "Employment Status" is not "self_employed"

Year-End Pay Stub (December)

Conditional

👉 If "Employment Status" is not "self_employed"

Used by lenders to verify annual bonuses and total year-to-date earnings.

Employment Verification Letter

Conditional

👉 If "Employment Status" is not "self_employed"

A letter from your employer confirming your position, salary, and length of service.

Last 2-3 Years of Audited Accounts

Conditional

👉 If "Employment Status" is "self_employed"

Profit & Loss statements and Balance Sheets certified by an accountant.

Business Registration / License Docs

Conditional

👉 If "Employment Status" is "self_employed"

💰 Banking & Assets

Last 3 Months of ALL Bank Statements

Checking, savings, and investment accounts. All pages must be included, even if blank.

Proof of Funds (Source of Wealth)

Evidence of where your down payment came from (savings, gift letter, or sale of assets).

Current Debt Statements

Latest statements for auto loans, student loans, or credit card balances.

🏠 Property & Project Details

Signed Purchase Agreement

The official sales contract. This triggers the formal mortgage approval process.

Detailed Contractor Estimates

Conditional

👉 If "Project Type" is "renovation"

Signed quotes from licensed contractors if you are financing renovations.

Builder's Contract / Reservation Agreement

Conditional

👉 If "Project Type" is "new_build"

🏁 Offer & Closing

Compare Loan Estimates (APR)

Don't just look at the interest rate. Compare the APR, which includes lender fees and closing costs.

Arrange Homeowners & Mortgage Insurance

Shop around for insurance. Your lender's default option is rarely the cheapest.

Receive Mortgage Commitment Letter

Review the terms, interest rate lock-in period, and any outstanding conditions.

⏳ Closing Disclosure Review Period

Legally, you must receive your Closing Disclosure (CD) at least 3 business days before signing.

Sign and Return Loan Documents

Request Cashier's Check / Wire Transfer

Final 'cash to close' funds must be sent to the escrow/title company 24-48h before signing.

ExpertAlice Smith

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