What paperwork will I be asked for?

Less than you would expect, and most of it you already have. The list barely changes between lenders. What changes is how much of each one they want.

The core is photo identification, three months of bank statements, your payslips and a copy of your contract. If you are putting down savings, six months of statements for the account they sit in, so the build-up can be seen. That covers most applications.

Payslips are the part that moves. Three months is the usual ask, but it depends on how long you have been in post, and some lenders will work from one. A small number will lend on a signed contract with no payslips behind it at all, which for a foundation dentist starting a new post is occasionally the difference between buying this year and next.

Where lenders really differ is not the documents but the history behind them. Some want three months in the same role. Some want a longer employment record generally, particularly where you have recently come out of university into a first professional post. The paperwork you hand over is broadly the same either way; whether it is enough is a criteria question, and it is why a case that fits one lender perfectly is declined by another on identical evidence.

The most useful thing you can do is gather it before you need it. An application that stalls usually stalls because a document is missing, not because a lender changed its mind.