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It's the Bank's money, not yours. It's not 2007, lenders no longer give out millions of pounds and simply hope that you'll pay it back on time. If you want the bank's money these days, you need to be prepared for a detailed review of your personal finances and to be prepared to provide the ancillary documentation to evidence your income and expenditure. Getting a mortgage doesn't need to be a stressful process. Going to the right lender for your personal / financial circumstances from the outset can save you months of stress, thousands of pounds in fees and tens of thousands in interest over the term of the mortgage. Robert Moffat BA Finance , Investment & Risk, DipFA, DipMAP, CeMAP, CeRER, CertLTCP