The minimum packaging requirements for all cases:

• Fully Completed Application Form on DPR*, along with a signed declaration. (If there are more than 2 applicants, please submit a manual form for additional applicants)
• 3 months of most recent bank statements
• Fully completed Direct Debit Mandate
• Two forms of ID for each applicant, one confirming name and one confirming address
• Latest years P60 & last three consecutive months’ payslips plus possible Employment reference (dependant on LTV)
• Company Accounts for self-employed (3 years evidence of earnings for self-employed applicants)
• Valuation fee (including £125 application fee). Please refer to Valuation Fee Scale

*Please ensure that each applicant’s telephone number and e-mail address (if applicable) are keyed into our intermediary portal.

Ad-hoc packaging requirements

• If applicant has any other properties whatsoever, mortgaged or unencumbered (BTL/resi/holiday home) – completed Property Schedule is required
• Completed Loan into Retirement Declaration form where term takes applicant over desired retirement age
• Proof of retirement income is required when applicant is within 10 years of desired retirement age at the time of application
• Memorandum of Sale of Housing Association for all Shared Ownership cases
• Right to Buy Notice from Council for all Right to Buy cases
• 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 a 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

All forms/reference templates can be downloaded here.