A useful mortgage checklist should include your deposit, recent payslips or accounts, bank statements, proof of identity and address, and details of your regular spending and debts. Check your credit reports for errors, work out an affordable monthly payment, and budget for costs such as valuation, surveys, legal work, insurance and possible arrangement fees. An Agreement in Principle can help indicate how much a lender might consider, but it is not a formal offer. Compare FCA-authorised lenders or speak to a regulated mortgage adviser about your circumstances.