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Don’t miss a trick: what you need to provide on a case

Adrian Moloney | 27.08.2020

No broker wants to be the reason that a case is delayed. Therefore, it’s essential that you always provide the most critical case details with a submission, along with all the supporting documents we need to complete an application in full.

So, before you miss anything important from your next buy to let or residential case, here’s a quick rundown of the essential documents we need you to supply.

Buy to let applications

This covers a landlord with three or fewer buy to let mortgaged properties, either as an individual or as part of a limited company set up. 

Essential documents

  • Latest proof of income – i.e., payslip, SA302/tax calculations with supporting overview
  • For contractors, their latest contract confirming terms and income
  • A buy to let schedule (if applicable)
  • If the deposit is gifted by a family member, we require the gifted deposit form and donor ID

Buy to let portfolio applications

Portfolio landlord applicants are those ‘with four or more buy to let mortgaged properties either as an individual or as part of a group/limited company’. 

This includes those applying for a fourth buy to let mortgaged property, and calculated using all applicant properties, regardless of who owns them. 

Essential documents

  • A fully completed business plan is required per application
  • An asset and liabilities statement is required per applicant/director
  • Full details of the existing portfolio must be submitted via the Buy to Let Hub (per application)
  • A buy to let property schedule
  • If the deposit is gifted by a family member, we require the gifted deposit form and donor ID

Residential applications

Our residential owner-occupied loans are for clients moving into a new home, including first-time buyers or they’re remortgaging an existing property.

Essential documents

  • Three months’ business bank statements for self-employed applicants
  • Three months’ personal bank statements for each applicant
  • Proof of income in the form of:
    • Latest three months’ payslips for employed applicants
    • Latest three years SA302/tax calculation with overview for self-employed applicants
    • Latest contract for contractors
  • If the deposit is gifted by a family member, we require the gifted deposit form and donor ID

Shared ownership applications

We also offer residential owner-occupied loans that are being purchased under a shared ownership scheme (new-build or resale properties are accepted).

Essential documents

  • Housing Association Memorandum of Sale or CML disclosure (shared ownership)
  • Three months’ personal bank statements for each applicant
  • Three months’ business bank statements for self-employed applicants
  • Proof of income in the form of:
    • Latest three months’ payslips for employed applicants
    • Latest three years SA302/tax calculation with overview for self-employed applicants
    • Latest contract for contractors
  • If the deposit is gifted by a family member, we require the gifted deposit form and donor ID

Download our application checklist

Applications will be delayed if key documents or information are missing, so it’s always worth double checking everything you send.

Everything you send needs to be completed correctly and in full, aligned with the lending criteria to avoid you having to resubmit.

Don’t forget to download our handy application checklist, which give you a full rundown of all the documents you need to provide when submitting a case.

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