Hi
It's not worth adding names to the mortgage at this stage - just send a copy of your bank statements showing the mortgage. Our household bills are all in 1 name only and we dont have joint bank accounts but everything has been accepted.
You will get lots of different prices for certifying docs. Our local court quoted £25 to do the lot but couldnt fit us in quick enough. Found a solicitor who charged us £2 a document so phone round. Dont know about the colour scanned question.
But copies of utility bills, bank statements and personal items do not have to be certified (unless specifically requested).
Hope this is of some help
