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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)

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 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

For more information about the types of documents we accept, see Verifying a customer's identity.

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

For more information about the types of documents we accept, see Verifying a customer's address.

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

  • The latest 3 months bank statements and
    – Where a customer is able to evidence a regular and consistent net monthly salary credit through their bank statement we accept 1 months payslip (or 4 weeks' payslips for applicants paid weekly) OR
    – If net monthly salary credits fluctuate and are not consistent then we require 3 months' payslips (or last 12 weeks' payslips for applicants paid weekly)
  • It is not mandatory for customers to provide bank statements for all accounts held unless a customer has their salary credited to one account but their outgoings (committed, basic essential and lifestyle costs) are paid from another then 3 months statements are required for both bank accounts, in order to establish the fuller financial picture. Bank statements should be obtained for any other accounts the customer uses for other payments which impact the application such as BTL properties, Benefits, & Childcare/Education costs
  • Additionally, where it is evident that a customer makes regular transfers to other accounts these transactions need to be fully discussed and documented within the approval note and the bank statements should be obtained unless these relate to non-contractual savings.
  • Where there is guaranteed overtime, bonus and/or commission, we ask to see your customer's last 2 years of P60s
  • 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
  • All self-employed customers: please provide a minimum of the last 3 months' commercial bank statements to confirm whether the business is still trading at a similar level to that seen within the accounts
  • Sole traders and partnerships: please provide the last 2 years' signed audited or certified accounts, the most recent of which must be no more than 18 months old.
  • 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)
  • Limited liability partnerships:

    For partners of category 1 LLPs (with 200 or more partners): please provide a letter issued by the company Finance Director or accountant as confirmation of income. The letter should detail the applicant's earnings over the past 2 years and must be dated within 3 months of the application.

    For partners of category 2 LLPs (with between 20 and 200 partners): please provide a letter issued by the company Finance Director or accountant and tax returns ('SA100 form') with SA302s as confirmation of income. The letter should detail the applicant's earnings over the past 2 years and must be dated within 3 months of the application, and the tax returns with SA302s must be for the latest 2 years.

    For partners of category 3 LLPs (with less than 20 partners): please provide the last 2 years' signed audited or certified accounts (the most recent of which must be no more than 18 months old). Plus, we'll need to confirm the applicant's shareholding by seeing either: 2 year's tax returns ('SA100 form'); a letter from the Finance Director or accountant of the LLP; or a copy of the partnership agreement - alongside the financial accounts.

    For applicants changing from an employed position to being a partner of a LLP within the last 3 years, please provide P60s for their employed income, along with evidence of their partner income in accordance with criteria outlined above.

All Buy to Let borrowing and rental income must be evidenced by the customer to help us identify professional/portfolio landlords. The following evidence must be obtained:

  • The latest year's tax return ('SA100 form') and/or business accounts
  • Mortgage bank statement(s) to show Buy to Let borrowing outstanding.

Exceptionally, an extract from tenancy agreements and bank statements showing rental income, mortgage payments and outgoings related to the Buy to Let property are acceptable where:

  • Customer is paying tax related to their Buy to Let income via PAYE – this will need to be evidenced via a notice of coding and/or payslips; or
  • Properties have been purchased within the current tax year; or
  • Where the customer is not paying tax on the Buy to Let income due to their overall gross income level being less than their personal allowance

Where a customer is unable to meet the above requirements, we are unable to agree Buy to Let borrowing.

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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