Getting these ready early is the easiest way to speed up your application. Send us what you have and we’ll check it before anything goes to the provider.

ALL APPLICANTS:

ID

Valid passport or driving licence

Address Proof

Household Bills or Bank Documents

Acceptable documents would be: original or certified copies of Government Issued ID Card, driving licence, recent utility bill received by post, Bank/Building Society/Credit card/Mortgage statement, Council Tax bill, Inland Revenue correspondence or a letter from a known bank or lawyer.

Income & Expenditure

Latest 3-6 months Bank Statement

Some banks ask for 6 months, whilst others accept 3. We are happy for you to send us 3 months.
If money moves between accounts, we will ask for statements of other accounts too.

Latest 3-6 months Credit Card Statements

Only if used for regular spending. Some banks ask for 6 months, whilst others accept 3. We are happy for you to send us 3 months

Evidence of Income – see ‘INCOME’ table below

Credit Commitments

Latest Statement

For all loans, mortgages, credit cards, car finance, etc showing outstanding amount and monthly payments.

Income Details

PAYE

Latest 3 months payslips – all jobs

If you receive bonuses/commissions/overtime, we may ask for more evidence (covering up to two years of extras if not obvious from latest 3 payslips)

Last P60 – If you receive bonuses/commissions/overtime, we may ask for 2 years to show regularity of this

Self Employed

(inc rental income)

Latest 2 years SA302s

Latest 2 years Tax Overviews – Tax overview must match the Tax calculations

Latest 2 years Accounts – We need your accountant details even if you don’t produce accounts

Latest 3-6 months Business Bank Statement

Some banks ask for 6 months, whilst others accept 3. We are happy for you to send us 3 months.

Benefits

Latest award letter – Dated within the last 12 months

Deposit Source

Savings

Statements confirming FULL balance
Some banks are happy with the latest statement, others want to see the build up and can ask for more, typically 6 months (it can be bank accounts, ISA, stocks & Shares accounts, etc)

Source of Wealth

If Savings are not in line with income, some banks will require an explanation of how the funds have accumulated and over what period of time

Gift

Gift Letter

We will provide you with a template once we know which bank. In the meantime, please provide us with details of the person(s) gifting, how much and evidence (Bank Statement normally) the funds are available. We will need giftor ID.

Sale of Property

Memo of sale

and details of the outstanding finance if any, including account number and outstanding balance

Refinance

Offer/DIP

If we are to do the refinance for you, we will need the Redemption Statement for your existing mortgage/HPP

This is not an exhaustive list of requirements. We may request additional items after reviewing the initial documents or after submitting to a bank.

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