Full mortgage application:
- Original, fully signed and dated declaration
- Signed and dated direct debit mandate
Proof of deposit (purchase):
- Applicants bank statements
Use of funds (remortgage with a further advance):
- Breakdown of use of funds, after any debts have been discharged
- Account details and balance of any debts to be repaid
Proof of address & identification:
- Any two documents from Table 1 or
- 1 document from each table
Table 1 | Table 2 |
Valid passport | Valid (old style) full UK driving license |
Valid photo card driving license (full or provisional) | Recent evidence of benefit entitlement |
National identity card | Instrument of a court appointment |
Firearms certificate or shotgun license | Current council tax demand letter or statement |
Identity card issued by the Electoral Office for Northern Ireland | Non-internet generated bank statements and utility bills |
Proof of Visa:
Visa Types Acceptable:
- EU Settlement Scheme (EUSS) – Pre-Settled Status
- EU Settlement Scheme (EUSS) – Settled Status
- Indefinite leave to remain
- Leave to Remain
- Family Visa
- Skilled worker visa
- UK Ancestry Visa
- Health and Care Worker visa
- British National (Overseas) visa
- Intra company transfer visa
Visa’s must have a minimum 12 months validity
Proof of income – employed:
- Paid monthly – latest 3 consecutive months
- Paid weekly – latest 6 consecutive weeks
Proof of income – self-employed:
- Sole Trader – minimum 1 year’s accounts or SA302s with 3 months’ business bank statements
- Company Director – minimum 1 year’s accounts with 3 months’ business bank statements
Other sources of income:
State Pension – Latest annual statement of pension/due on retirement
Pension Credits – Latest Pension Credit Award Notice
Universal Credit – Latest Award Notice
Disability Living Allowance – Latest Award Notice
Private Pension – Latest annual statement of pension/due on retirement or
Latest payslip from pension provider or Latest letter from pension provider confirming pension
due on retirement
Rental/mortgage history:
- Tenancy agreement with 12 months bank statements confirming rental payments
- Last 3 years mortgage statement
Portfolio landlords:
We have no limit on background portfolio.
Written asset and liabilities statement which includes details of:
- Levels of rent received on each property
- Outstanding mortgages
- Current values of each property
Details of any void periods in last 12 months and brief overview of intentions for each property