Application Packaging Guide

How to package your cases for faster processing

We understand how important it is to get an offer fast for your client, so we’ve come up with this Packaging Guide to help your clients get an offer with as little fuss as possible.

Our handy tips for packaging your cases

Electoral Roll

Your clients must be on the electoral roll at one of their declared addresses in the last 3 years.

Debts & Loans

Make sure we know about any debts or student loans as missing these off the application will slow us down.

Childcare costs

Include childcare vouchers as part of your client’s gross annual income, and as outgoings in the monthly school/nursery/childcare fees field.

Buy to Let
(Employed clients only)

Include details of any BTL properties your clients may have.

Valuation

Unless you tell us otherwise, we’ll instruct the valuation as soon as the valuation fee has been paid.

Documents

Bank statements must show client income to support their affordability. You can certify and upload documents using MATS.

Your client's income

Employed clients
What we need to see

  • Up to 75% LTV: latest payslip and a bank statement that shows the salary credit for that month.
  • 75% LTV and over: latest 3 payslips and a bank statement that shows the latest salary credit.
  • Bonus or commission: You can send us any additional payslips to show bonus earned or commission payments.
  • Child benefit: Send us the latest bank statement to show any child benefit payments received.
  • New job: If you client has just started a new job, we need to see a signed acceptance of employment or an employer’s reference.
  • Maternity leave: You can send us payslips and bank statements to show your client’s pre-maternity income.

Self-employed clients
What we need to see

  • If your client has an accountant with an accepted qualification: We’ll need the accountant’s name, address and qualification plus the latest personal and business bank statements.
  • If your client has an accountant with a qualification we don’t accept: We’ll need the accountant’s name, address and qualification plus the latest personal and business bank statements and the last 3 years SA302 documents If these are online documents, supporting Tax Year Overviews are required.
  • If you client is a Salaried Director with <25% shareholding and no dividends are being used:
    Up to 75% LTV:
    latest payslip and a bank statement that shows the salary credit for that month.
    75% LTV and over: latest 3 payslips and a bank statement that shows the latest salary credit.
  • If your client is a partner with a minority shareholding: We’ll need the latest personal bank statements plus the last 3 years SA302 documents If these are online documents, supporting Tax Year Overviews are required.
  • If your client is an employee of a family business: We’ll need their P60 and the Accountant’s name, address and qualification – in addition:
  • Up to 75% LTV: latest payslip and a bank statement that shows the salary credit for that month.
  • 75% LTV and over: latest 3 payslips and a bank statement that shows the latest salary credit.
  • If you client is self-employed but doesn’t have an accountant: We’ll need the latest personal and business bank statements plus the last 3 years SA302 documents If these are online documents, supporting Tax Year Overviews are required.

How to prepare your cases

Proof of residency
What we accept

  • Bank or credit card statement
  • Utility bill
  • HMRC documentation

Please note, these can't be online documents.

Proof of identity
What we accept

  • Drivers licence (full or provisional)
  • Valid passport
  • Foreign national's card
  • Residence permit
  • Signed employer ID card
  • Armed forces ID
  • EU member state ID card
  • Firearms certificate
  • HMRC tax notification
  • Benefit book or letter which confirms your client’s right to benefits

Please note
If we ask for a document to be dated:

  • Within the last 3 months – it should be dated before the application date
  • 2 years back from the application date – it should be dated 2 years back with 3 months leeway either side of the application date.

Still unsure?

Help and support when you need it

We’re here to help and support you and your clients, not just when you submit an application to us but all the time. Here’s some of the ways we can help:

  • Your underwriter will contact you when you submit an application and when anything changes with the case.
  • We offer MATS to check the progress of your application and upload any necessary documents.
  • We provide updated service standards on our home page to let you know our processing times for cases.
  • Our sales team are on hand to answer any questions you may have about lending policy.
  • Check our FAQ for more details.
  • Webchat with one of our friendly advisers for quicker assistance.
Get in contact