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Packaging requirements

When you submit a full mortgage application, we'll ask you to upload relevant supporting documentation.

Click here to download our supporting documentation verification header sheet.: This PDF opens in a new window (52KB): This PDF opens in a new window

All customers

We can access statements for HSBC and first direct accounts, however we'll need you to provide statements for any HSBC international, HSBC Offshore and HSBC Expat accounts.

When you submit an application online, we automatically run an electronic identity check. If the customer’s identity cannot be verified electronically, we’ll accept a valid full UK photo card driving licence, this can be used to both identify themselves and verify their address.

If a customer does not have a valid full UK photo card driving licence, we’ll ask for one of the following documents. A separate document will be required to verify proof of address.

Our preferred forms of identification are:

  • Signed Passport
  • UK Driving Licence (Photo Card)
  • National Identity Card (EEA and Swiss Nationals only)

If the applicant doesn't have any of the above documents, we can accept one of the following:

  • Benefits Agency Letter
  • Certificate of Travel (Black)
  • Disabled Parking Document (blue or orange)
  • Foreign and Commonwealth Office letter (foreign diplomatic staff only)
  • HMRC Tax Notification (PAYE coding notice, HMRC Notification of Working Family Tax Credit, HMRC Notification of Children's Tax Credit, HMRC Notification of Disabled Persons Tax Credit or HMRC Tax Calculation)
  • Northern Ireland Voter's Card
  • Travel Documents (Blue and Red) issued by the UK Home Office
  • Armed forces Identity card
  • Firearms/Shotgun certificate
  • Group Identification form

For more information about the types of documents we accept, see Verifying a customer's identity (EN.PDF 769KB).

When you submit an application online, we automatically run an electronic address check. If the customer's address cannot be verified electronically, we'll ask for one of the following documents. A separate document will be required to verify proof of identification.

  • Current UK photocard driving licence - full or provisional
  • Council tax bill, valid for the current year
  • Utility bill, dated within last 4 months
  • Telephone bill, dated within last 4 months. Mobile phone bills are not acceptable.
  • Home broadband, Sky or cable TV bill, dated within last 4 months
  • Mortgage statement from a recognised credit or financial institution in the UK or a country with equivalent legislation and financial standards*, dated within last 12 months. Mortgage statements from HSBC or First Direct are not acceptable.
  • Credit card statement, dated within last 4 months. Credit card statements from HSBC, First Direct, John Lewis Partnership Card and M&S Bank are not acceptable. Must be from a financial institution in the UK or a country with equivalent legislation and financial standards*
  • Bank, building society or credit union statement, showing all transactions and dated within last 4 months. Bank statements from HSBC, First Direct and M&S Bank are not acceptable. Must be from a financial institution in the UK or a country with equivalent legislation and financial standards*
  • Disabled parking document featuring the customer's address (blue or orange).
  • Foreign and Commonwealth Office letter (foreign diplomatic staff only)
  • HM Revenue & Customs tax notification, dated within last 4 months. P45s and P60s are not acceptable
  • Tenancy agreement from a local council or letting agency not a private landlord), dated within last 12 months.
  • Letter confirming the customer's right to benefits from Department for Works & Pensions, Jobcentre Plus, a benefits agency or a veterans agency, dated within last 4 months
  • Insurance/Investment documents from a regulated financial sector firm (signed or system-generated)
  • Solicitor's letter confirming house purchase or land registry confirmation, dated within the last 4 months
  • Northern Ireland Voter's Card
  • Letter from university, college or known language school
  • National Identity card
  • Rent card

For more information about the types of documents we accept, see Verifying a customer's address (EN.PDF 898KB).

*To find out if a particular country has equivalent legislation and financial standards, please call the helpdesk

  • The latest one months’ worth of payslips for all customers
  • Documentation required for bonus, overtime, commission and shift allowance in line with Evidential Documents Matrix
  • A minimum of one months’ worth of personal bank statements to verify credit commitments – statements for additional accounts required where necessary to evidence all declared credit commitments
  • For customers with no credit commitments, a minimum of the latest months personal bank statement for their primary account is required
  • For customers on or about to take maternity leave, we ask for details including whether their income is affected by reduced hours - if it is, please provide an employer's letter
  • Evidence of any other income the customer wants us to take into account such as pensions, benefits, investments or rental income
  • Sole traders and partnerships (including LLP’s with less than 200 partners - Category 2/3): please provide the last 2 years' Tax Calculations and corresponding Tax Year Overviews, the most recent of which must be no more than 18 months old (Tax Calculations can be an online print out from HMRC website, an SA302 or the computation produced by the customer’s accountant using commercial software and submitted to HMRC)
  • Limited liability partnerships with 200 or more partners – Category 1: Please provide a letter issued by either the company finance director or accountant (the letter must detail the customer’s earnings over the past two years and be dated within the last three months
  • Limited companies: please provide the last 2 years' signed audited or certified accounts (the most recent of which must be no more than 18 months old)
  • A minimum of one months’ worth of personal bank statements to verify credit commitments – statements for additional accounts required where necessary to evidence all declared credit commitments
  • For customers with no credit commitments, a minimum of the latest months personal bank statement for their primary account is required
  • The latest month’s personal bank statement(s) obtained to verify credit commitments
  • Evidence of any other income the customer wants us to take into account such as pensions, benefits, investments or rental income

For sole applications, the minimum basic annual income is £25,000 (excluding all rental income).

For joint applications, at least one party must have a basic annual income of £25,000 (excluding all rental income).

Non-UK Residents - Minimum income of £75,000 (excluding bonus, commission, overtime and rental income)

For HSBC/first direct Employed Customers:

  • Evidence of income must be provided in line with our residential policy on 'Assessing Income'.

For non HSBC/first direct Employed Customers:

  • The latest payslip (or last 4 weeks where the customer is paid weekly): and
  • The latest months bank statement

Salary must be credited within 35 days of the application (credit decision obtained date)

For Self Employed customers:

  • Latest years audited or certified accounts; or
  • Latest years Tax Calculation and corresponding Tax Year Overview (Tax Calculations can be an online print out from HMRC website, an SA302 or the computation produced by the customer’s accountant using commercial software and submitted to HMRC)

All European Economic Area (EEA) Nationals and Swiss Nationals are treated as UK nationals.

We also accept applications from Non-EEA Foreign Nationals who have been granted the right of abode or indefinite leave to remain in the UK by the Home Office.


We will only lend to applicants without the right of abode or indefinite leave to remain in the UK if they meet all the following criteria:


  • The customer must evidence that they have lived and worked in the UK for a minimum of 12 months at point of application – evidenced through passport stamp
  • The customer must have a work permit / visa with at least 12 months left to run until expiry at point of application
  • Maximum LTV of 75% for mortgage borrowing or additional lending
  • Additional lending cannot be used for debt consolidation
  • Deposit is funded from the customer's own resources. Gifts and builder's cash backs are not acceptable, unless they are in addition to the 25% deposit provided from the applicants own resources
  • Foreign nationals without indefinite leave in the UK or no right of abode entitlement not meeting the above criteria are subject to the same criteria as Non-UK residents, as set out in the overseas customers section

We can accept translations from a UK based translation company, provided we can verify them via their website. When submitting foreign language documents, please provide English translations as well as the original documents.

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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