WHAT WILL I NEED?

■ Filled-in application form

■ Salary cert from employer

■ Employment detail summary (formerly known as a P60 form)

■ Last three months of payslips

■ Last three or six months of current account statements

■ Last three months of credit card statements

■ Loan statements

■ Copy of passport or driving licence

■ Valuation report, if required On average this process can take up to two months.