📌 If your mortgage agreement has not yet been finalised, you may be wondering what documents you can provide to show compliance.
💡 While the final mortgage offer is the ultimate confirmation, there are several interim documents you can provide while the application is still underway.
📂 Documents Buyers Can Provide Before the Final Mortgage Offer
📑 Agreement in Principle (AIP) / Decision in Principle (DIP)
Issued by the lender at the early stage.
Confirms how much they are prepared to lend subject to full checks.
Usually valid for 60–90 days.
📄 Mortgage Illustration / Key Facts Illustration (KFI)
Outlines the details of the mortgage product being offered (rate, term, repayments).
Provided before a formal application is complete.
✉️ Mortgage Application Acknowledgement
Confirmation from the lender or broker that your mortgage application has been submitted and is being processed.
Often in the form of an email or a letter.
🤝 Mortgage Broker Correspondence
If you are using a mortgage broker, they may provide written confirmation of the application status and anticipated lending.
📬 Lender Correspondence
Emails or letters directly from the lender confirming that underwriting is in progress or that a valuation has been instructed.
🏠 Valuation Report (if completed)
If the lender has instructed or completed a valuation on the property, this is strong evidence that the mortgage is progressing.
📝 Conditional Offer or Pre-Offer Letter (if available)
Some lenders issue conditional offers subject to final checks.
This can be uploaded as evidence until the full offer is received.
✅ What to Upload Once the Mortgage is Approved
Once your lender issues the formal mortgage offer, you must upload this document. It is the final proof that the funds will be available for completion.
🔑 Best Practice for Buyers
📌 Upload early-stage documents (AIP, application proof, broker letters) so your conveyancer can proceed with initial AML checks.
🔄 Replace them later with the formal mortgage offer once issued.
🗂️ Keep copies of all communications from your lender or broker, as these can serve as interim evidence if requested.