Submission and packaging requirements
Delivering service together
We know how important service is, so here’s some hints and tips to help get your case processed as quickly as possible.
Our top tips for submitting a case
1. Data accuracy
To help speed things up, it’s important that we get accurate information first time around. Things like:
- If your client has a middle name, please include it in the application.
- When adding your client’s job in the ‘Job Title’ field, select the title in the list that is as close to your client’s job as possible.
Joint commitments
For applications with two applicants where they have joint commitments, please enter the commitment for applicant one and then for applicant two enter £0.
If the commitment field for applicant two is left blank, this will cause an error at full mortgage application and mean a delay in submitting the application.
2. Checking the case meets our policy
If you have any questions before submitting a case with us, please contact your dedicated Business Development Manager. If you’re not sure who your BDM is, you can find their details using our BDM finder.
For any self-employed cases, we recommend that you reach out to your BDM before submitting the case.
You can check our temporary policy below by clicking here.
3. Initial vet
To help us accurately complete the initial underwrite of your application and instruct valuation, our minimum requirements for a full mortgage application are:
- Employed applicants
- Payslips.
- P60 (e.g. if any additional overtime or commission are being used for affordability)
- Self-employed applicants (minimum two years)
- Accounts/SA302s (minimum two full years' finalised accounts).
- Tax Year overviews corresponding to SA302s.
- Accountant's details for self-employed limited company cases.
- Latest three months business bank statements required. For sole traders, personal bank statements can be provided to evidence business funds.
You can find more information about the types of evidence we might ask for proof of income and deposit in our packaging guide.
4. Checklist items
To help speed things up, upload the initial requirements at FMA submission (as listed above) and then any additional requests together against the relevant checklist item. This helps the underwriter to look at the case as a whole and improves our time to offer.
If you need more information about how to upload documents to our portal, please read our user guide.
Filenames
When uploading supporting documents to our portal, please avoid using long file names and don’t include any special characters in the file name as this can cause issues when uploading the file.
- Gifted Deposit Declaration where the deposit is being gifted.
- BTL Declaration when there are BTLs in the background.
- Interest Only Sale of Mortgaged Property Declaration if repayment plan.
- Evidence of deposit (where applicable i.e. bank statements to show savings).
- On remortgage cases the breakdown of additional funds included on the application form.
- Wet signature Declaration and Direct Debit mandate (all 4 pages).
- Return to work Declaration.
Administrators can upload checklist items through our case tracker. Mortgage offer documents can’t be downloaded from this hub, they can only be downloaded from our main portal using the registered user login.
5. Notes section
There’s a free text section on the FMA where you can add any additional notes to support your case or if there’s anything you want to let us know about. This can save time further down the process if underwriters need clarification on the case.
As well as this, there’s a notes section with each checklist item that you can use to clarify specific transactions on the item, for example if there’s an unusual payment on the client’s bank statement.
Temporary policy
Income criteria changes
We’re not currently accepting applications where the clients are purchasing the property at an undervalue and/or where the equity is being gifted from family members.
Useful information
Mortgage Offer validity
Mortgage offers are valid for six months from the date of the offer and new build offers are valid for nine months from the date of the offer.