Uploading documents to MSO and attaching them to the request in the case requirements. Only providing what we ask for. Uploading requested docs on the same day rather than on different days. Ensure your client's solicitor or licensed conveyancer is on our panel of approved solicitors using our online panel checking tool.

We use our internal system to verify your clients ID. Make sure the address details for the last 3 years are accurate. *Proof of ID may be required if verification fails

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

Include childcare vouchers as part of your client’s gross annual income, and as outgoings in the monthly school/nursery/childcare fees field along with any top up your client pays for childcare/school cost.

Bank statements must show client income to support their affordability ( Documents don’t need to be certified)

Include details of any BTL or second properties properties your clients may have and ensure they meet criteria regarding the rental cover.

We instruct the valuation as soon as the valuation fee has been paid.

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, overtime 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.

Day Rate Contractors

What we need to see

• Current and previous contracts covering the last 12 month period (2 year track record if less than 3 months remaining on current contract)

• If paid PAYE/Umbrella Co: Latest 3 payslips/invoices and latest 3 months personal bank statements

• If paid via apps own Limited Company: Latest 3 months business bank statements and latest 1 months personal bank statement

Zero Hour Contracts

Applicants who are on a zero hour contract will be accepted provided they have a minimum of 12 months evidence of sustainable earning on a zero-hour contract basis, and fall into one of the following occupations:

• NHS Bank nurses and locums
• Non-NHS Bank nurses
• Care Home Workers
• Supermarket Workers
• HGV Drivers
• Retained / On-Call Firefighters
• Armed Forces Reserves
• Supply Teachers

We will require the following supporting documents:

• Your clients last 3 payslips plus the bank statement showing the salary credit from your most recent payslip.
• Copy of their current contract
• Copy of their latest P60

What we need to see

• If your client has an accountant with an accepted qualification:
  We can accept their accountant’s reference. You’ll need to get this along with the other application documents we require. The reference forms can be found here.
  
  Plus: The latest personal and business bank statements.

• If your client has an accountant with a qualification we don’t accept:
  In addition to the accountants reference we will need the last 2 years SA302 documents. If these are online documents the supporting Tax Year Overviews are required.
  
  Plus: The latest personal and business bank statements.
   

• If your client does not have an accountant:
  We will need the last 2 years SA302 documents. If these are online documents the supporting Tax Year Overviews are required.
  
  Plus: The latest personal and business bank statements.
   

• 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 2 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 to verify the income.
  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.

What we accept

We accept PDFs of online bank statements and utility bills. These must include the applicant’s name and address. We can’t accept screenshots or photos.

What we accept

If we ask for a document to be dated:

• Within the last 3 months – it should be dated before the application

• 2 years prior to application date – it should be dated 2 years back with 3 months leeway either side of the application date.