Submission and packaging requirements

We’ve developed a number of useful hints and tips to help you get your case processed more efficiently. This will help to reduce the number of contact points between us.

We know how important service is and we're working extremely hard to maintain our service and appreciate your patience during this busy period.

Our top tips for case submission

1. Data accuracy

Some examples of this would be:

• If your client(s) has a middle name, this must be included in the application.
• When entering your client(s) occupation in the ‘Job title’ field, select the title in the list as close to the client’s occupation as possible.
• 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 for applicant two is left blank, this will cause an error at full mortgage application and cause a delay in submitting the application.

2. Checking the case meets our policy

During the pandemic our policy requirements changed and it’s important to ensure that you’re aware of our temporary policy.

We recommend you contact your BRM prior to submission on all self-employed cases.

3. Initial vet

When submitting your Full Mortgage Application (FMA), to help us accurately complete the initial underwrite of your application and instruct valuation, our minimum requirements are:

• Employed applicants
• Payslips
• P60 (e.g. if any additional overtime/commission etc. are being used for affordability)

• Self-employed applicants (minimum 2 years)
• Accounts/SA302s (minimum 2 full years' finalised accounting information is required)
• Tax Year overviews corresponding to SA302s
• Accountant's details for self-employed limited company cases
• Latest 3 months' bank statements required

For further information on self-employed cases and packaging requirements, click here.

4. Checklist items

To ensure that we process your case efficiently, upload the initial standard requirements at FMA submission (as listed above) and then any additional requests together against the relevant checklist item. This helps the underwriter look at the case as a whole, rather than multiple times and improves our speed to offer.

For more information on how to upload documents to our portal, please read our user guide.

• 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

5. Notes section

There is a free format notes section on the FMA where you can add additional notes to support your case or if there is anything that your need to make us aware of. This saves time further down the application process when underwriters need clarification on the case.

In addition, there is a notes section with each checklist item which can be used to clarify specific transactions on the checklist item, for example an unusual payment on the client’s bank statement.

Temporary policy

Income criteria changes

Useful information

Mortgage Offer validity

Mortgage offers are valid for 6 months from the date of offer.

Remote Video Interviews – ID Requirements

If an adviser carries out an online interview and can physically see their clients (via a medium such as skype) then we will class this for now as a face to face interview and ID requirements will be the same as an actual meeting. However, if an interview is carried out remotely without visual interaction, i.e. by telephone, then this will require additional ID as per our standard practice.