The minimum packaging requirements for all cases:

• Fully Completed Application Form on DPR
• Signed Mortgage Application Declaration/Fee Declaration
• Most recent bank statement for all personal current accounts held (only 1 month required)
• Latest savings statement only required for proof of deposit/rental voids
• 3 months' bank statements for all business current accounts held for self-employed borrowers
• Fully completed Direct Debit Mandate
• Two forms of ID for each applicant, one confirming name and one confirming address. Please refer to our identification requirements to see what we will accept
• Latest year's P60 and last three consecutive months’ payslips plus possible Employment Reference (dependent on LTV)
• For self-employed applicants we will use the income shown in the Accounts or Accountant’s letter. Please note that we accept SA302's or, Tax Calculations with corresponding Tax Overviews as proof of income
• Valuation fee (including £125 application fee). Please refer to our Valuation Fee Scale

• If applicant has any other properties whatsoever, mortgaged or unencumbered (BTL/resi/holiday home) – completed Property Schedule is required
• Proof of retirement income is required when applicant is within 10 years of desired retirement age at the time of application
• Proof of rental payment covering 12 months where applicable. Bank statements are required where Tenancy is not via a Professional Letting Agent or Private Landlord’s reference. A reference alone is acceptable where Tenancy is managed by Letting Agent
• Proof of mortgage payments, covering 12 months, where applicable
• Proof of Deposit
• Three year’s proof of residency if applicant not on Voters Roll
• LMS declaration form
• Consent to Mortgage form is required when there will be any persons residing in the property on completion age 17 or over
• BTL Supplementary Declaration
• Memorandum of Sale of Housing Association for all Shared Ownership cases
• Right to Buy Notice from Council for all Right to Buy cases.

Our packaging requirements for Self-Build cases are below:

• If the applicant is not a tradesperson themselves or is a tradesperson and does not have a project supervisor, we will require a professional project manager. Confirmation will be required along with qualifications
• A firm timetable for construction of the property is required
• Schedule of Works which must include a contingency amount of 20%
• Outline planning consent for the type of property the applicant intends to build with at least two years’ consent remaining is required
• Ten years' structural warranty is required. List of main providers are held on the UK Finance Handbook. Other providers may be considered subject to checks of the UK Finance handbook
• Site insurance and a copy of the insurance schedule will be required with a minimum of the following included:
  • £5 million public liability
  • £10 million employers’ liability
  • Contract works (for the re-instatement value)
  • Dudley Building Society to be noted as mortgagee
• Site insurance will be accepted from a set list of providers. Other providers may be considered subject to checks of the UK Finance handbook
• Before building commences the valuer must have sight of the detailed planning and building regulations approvals. A Builders Notice will not be acceptable
• Architects’ plans and specifications for the property