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Common packaging issues – avoid unnecessary delays

Get your customer’s application to offer as quickly as possible by providing the correct documentation upfront.

Here’s a reminder of what we need for new applications:

Employed customers

  • Latest payslip required in all instances.
  • Income affected by Covid-19? Please add a note in the free format box on the broker platform explaining how the income has been affected and the date affected from, before submitting the case. Please include as much detail as possible as this may avoid an underwriter having to contact you to request further information.
  • For Furloughed employees, please provide a letter from the employer if the furloughed/top-up income cannot be evidenced from the latest payslip.

Self-employed customers

Sole Trader, Partnerships, LLPs with less than 200 partners

  • Last two years Tax Calculation and corresponding Tax Year Overviews.
  • Income affected by Covid-19? Please add a note in the free format box on the broker platform explaining how the income has been affected and the date affected from, before submitting the case. Please also include the following information as this may avoid an underwriter having to contact you to request further information:
    • The specific nature of the customer’s business? (e.g. what goods/services the business supplies).
    • If the customer’s business expects to return to trading as normal if social distancing continues for more than 3 months.
    • If the customer’s business has relied on, or is it expecting to rely on government grants/business banking loan support.
  • Plus, the last 90 days of business bank statements (or personal account statements if used for business purposes).
  • Online statements/screen shots will be acceptable.
  • The latest date showing on the statements needs to be within a week of the application start date.

LLP with 200 or more partners

  • Letter issued by either the company finance director or accountant.
  • Must detail the customer's earnings over the past two years and be dated within the last three months.

Limited Companies

  • Last two years finalised financial accounts (the most recent of which must be no more than 18 months old). If there are multiple directors within the business, and the financial accounts do not confirm the distribution of salary to each director, then evidence will be required from either the last two years P60’s or last two years Tax Calculations and corresponding Tax Year Overviews.
  • Plus, the last 90 days of business bank statements (or personal account statements if used for business purposes) will be required.
  • Online statements/screen shots will be acceptable.
  • The latest date showing on the statements needs to be within a week of the application start date.

Identification and address verification

  • Non-certified scanned documents for identification and address verification (ID/VA) as well as income verification accepted for business submitted through our broker platform and our legacy portal.
  • If the verification checks fail, please request a passport in the first instance (this can be a scanned copy or photo of the document supplied by the applicant).
  • If a passport is not available, please request a driving licence.
  • In cases where these documents are unavailable then the case will be referred on a case-by-case basis.

In addition to providing the correct documentation, please ensure:

  1. The details on the documentation/evidence provided match the details submitted on the application.
  2. The applicant(s) name and address are the same on all the documentation provided.
  3. Accurate email addresses and phone numbers are included within the application for the applicant(s).

This website is for the use of FCA authorised mortgage intermediaries only.

If you reproduce any information contained in this website, to be used with or advise clients, you must ensure it follows the FCA's advising and selling standards.

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