Packaging Requirements
Applicant
| Category | Document | Document Requirements | Certified | Mandatory at Application | Document Link |
|---|---|---|---|---|---|
| All applications | Proof of ID | Photo ID – valid passport, photo or old style paper driving licence, shotgun licence/firearms certificate, latest notice of tax coding (less than a year old) | YES | YES | ID Verification Form |
| All applications | Proof of address | Bank statement or utility bill (within the last 3 months) council tax bill or mortgage statement (latest year), driving licence (if not used as ID), solicitors letter (confirming house move within last 2 months) | YES | YES | |
| All applications | Broker’s signed declaration | We accept a signed Broker’s declaration confirming the ID has been verified, in place of sending certified copies | NO | YES | Mortgage Application Form |
| All applications | Application form | Fully completed and signed application or Broker Online submission with signed declaration | NO | YES | Mortgage Application Form Mortgage Declaration Form |
| BTL, MUFB & Holiday Let applications | BTL Declaration | Fully completed and signed additional information | NO | YES | BTL Additional Information Form |
| All applications | EU citizens | Evidence of share code from the .gov website | NO | YES | |
| All applications | Bank statements | Latest month (3 months if LTV above 80%) | NO | YES | |
| All applications | Direct Debit mandate | Wet signature required (original) | NO | NO | Direct Debit Form |
| LTD Company | Confirmation of Solicitor | Separate legal representation and completion of our additional details form required | NO | YES | Ltd Company Additional Details Form |
| Ltd Company | Board resolution | Minutes confirming the Board agree to the loan | NO | YES | |
| IVA | Completion certificate | Completion certificate dated at least two years ago | NO | YES | |
| Bankruptcy | Certificate of discharge | Certificate of discharge dated at least two years ago | NO | YES | |
| HMO | HMO Licence | For HMO remortgages we require a copy of the licence | NO | YES |
Loan
| Category | Document | Document Requirements | Certified | Mandatory at application | Document Link |
|---|---|---|---|---|---|
| All applications | Proof of deposit | Evidenced from own sources. If gifted then a gifted deposit letter | YES | YES | |
| All applications | Purpose of loan (further advance/remortgage) | For home improvements – builders quotes and estimates or planning permission, where applicable. Debt consolidation – evidence of most recent balance for debts to be consolidated including lender name and account number. | NO | YES | |
| Gifted Deposit | Gifted Deposit Letter | Completed and signed gifted deposit letter from immediate family. | NO | YES | Gifted Deposit Form |
| All applications | Explanation for adverse credit history | Please provide an explanation for any adverse credit history. This can be found in the additional information section of our application form. | NO | YES |
Income
| Category | Document | Document Requirements | Certified | Mandatory at Application | Document Link |
|---|---|---|---|---|---|
| Employed applicants | Payslips | Most recent 3 consecutive months payslips (if paid monthly). 13 consecutive weeks if paid weekly | NO | YES | |
| Sole Trader applicants | SA302s | 3 years SA302s with corresponding Tax Year overviews | NO | YES | |
| LTD Company applicants (minimum 20% shareholding) | SA302s and accounts | SA302 with corresponding Tax Year overviews and 3 years Accountant verified accounts | NO | YES | |
| Ltd Company applicants (minimum 20% shareholding) | Business bank statements | 3 months business bank statements | NO | YES | |
| Residential applications | Proof of rental income | 3 years full tax returns | NO | YES | |
| BTL & HMO applications | Proof of rental income | AST or valuer appraisal and 3 months bank statements showing rental income received | NO | YES |
Additional Income
| Category | Document | Document Requirements | Certified | Mandatory at Application | |
|---|---|---|---|---|---|
| Employed applicants | bonus/commission/overtime | Latest year P60 | NO | YES | |
| Maintenance income | Court order/CMS letter and bank statements | Court order or CMS letter covering a minimum of 5 years, Latest 3 months bank statements | NO | YES | |
| Disability benefit | Awards letter | Most recent awards letter | NO | YES |
Retirement Income
| Category | Document | Document Requirements | Certified | Mandatory at Application | Document Link |
|---|---|---|---|---|---|
| Pension income | Evidence of most recent pension statement, P60 or payslip | NO | YES |
Niche
| Category | Document | Document Requirements | Certified | Mandatory at Application | Document Link |
|---|---|---|---|---|---|
| Buy For Uni | Proof of University placement | Acceptance letter from the University or proof of student loan | NO | YES | |
| RIO | Power Of Attorney | Where applicable, evidence of Power Of Attorney | NO | YES | |
| Right to Buy | Right to Buy offer | Where applicable, please provide the Right to Buy offer | NO | YES |
