Packaging Requirements

This website is for the use of FCA authorised mortgage intermediaries only.

When you submit a full mortgage application, we'll ask you to upload relevant supporting documentation.

Please note that if all documents are not received within 30 days the application will be cancelled

All customers

Appropriate documentation to verify the customers stated income
A minimum of one month's personal bank statements for all customers (regardless of employment type) with statements for additional accounts (primary and secondary) required where necessary to evidence credit commitments
The latest month's personal bank statement(s) obtained to verify credit commitments should be used to validate the net income amount matches the credit on the bank statement where possible

For applications submitted through our legacy portal please also submit the below

Click here to download our supporting documentation verification header sheet.: This PDF opens in a new window (52KB): This PDF opens in a new window

A signed and dated direct debit mandate for mortgage repayments (for remortgages that include a homeowner loan, 2 direct debit mandates are required) Click here to download our direct debit mandate: This PDF opens in a new window (103KB)
A signed and dated HSBC mortgage declaration Click here to download our HSBC mortgage declaration: This PDF opens in a new window (152KB)

We can access statements for HSBC and first direct accounts, however we'll need you to provide statements for any HSBC international, HSBC Offshore and HSBC Expat accounts.

Proof of identity

When you submit an application online, we automatically run an electronic identity check. If the customer's identity cannot be verified electronically, we'll accept a valid full UK photo card driving licence, this can be used to both identify themselves and verify their address.

If a customer does not have a valid full UK photo card driving licence, we'll ask for one of the following documents. A separate document will be required to verify proof of address.

Our preferred forms of identification are:

Signed Passport
UK Driving Licence (Photo Card)
National Identity Card (EEA and Swiss Nationals only)

If the applicant doesn't have any of the above documents, we can accept one of the following:

Benefits Agency Letter
Certificate of Travel (Black)
Disabled Parking Document (blue or orange)
Foreign and Commonwealth Office letter (foreign diplomatic staff only)
HMRC Tax Notification (PAYE coding notice, HMRC Notification of Working Family Tax Credit, HMRC Notification of Children's Tax Credit, HMRC Notification of Disabled Persons Tax Credit or HMRC Tax Calculation)
Northern Ireland Voter's Card
Travel Documents (Blue and Red) issued by the UK Home Office
Armed forces Identity card
Firearms/Shotgun certificate
Group Identification form

For more information about the types of documents we accept, see Verifying a customer's identity (EN.PDF 769KB).

Proof of address

When you submit an application online, we automatically run an electronic address check. If the customer's address cannot be verified electronically, we'll ask for one of the following documents. A separate document will be required to verify proof of identification.

Current UK photocard Driving Licence – Full or Provisional (a provisional photocard DL can only be used for VA if there is a satisfactory other document for ID. A Full UK photocard DL can be used for both ID&VA – however, if the address is different on the DL to the customer's current address then this card can't be used for either ID or VA, even if a separate ID document is held);
Council Tax bills – must be valid for the current billing year and dated within the last 13 months (so in April when the new billing year starts we need to have that current bill)
Mortgage Statements (online statements are not acceptable). Mortgage statements from First Direct and M&S are acceptable.
Credit Card bills from Private Bank, John Lewis Partnership Card, M&S and First Direct are acceptable.
Bank, Building Society and Credit Union Statements. Online statements are not acceptable. Private Bank, John Lewis Partnership Card, M&S and First Direct statements are acceptable.
Insurance/Investment Documents – must be dated within the last 4 months, must indicate that a customer/financial relationship exists (John Lewis Partnership, Marks & Spencer, First Direct or HSBC documents are not acceptable). Home, Motor and Travel Insurance documents are not acceptable
Solicitor's letter confirming house purchase or land registry confirmation (this must be related to the purchase of the property the customer is living in currently) – we would also require satisfactory proof of their previous address
Northern Ireland voters card – is not showing as an acceptable VA document
Letter from a university, college or known language school (accredited by the UK Border Agency) – only for students on a qualifying course. Dated within the last 4 months, on official headed paper with contact name, address and telephone number or email address (of the person writing the letter so they can be contacted if necessary)
National ID card – only acceptable if the applicant's address is listed on the card (only acceptable for ID cards for EEA and Swiss Nationals)
Rent card or book – from a local council or reputable letting agency (not a private landlord), the card/book must not have expired

For more information about the types of documents we accept, see Verifying a customer's address (EN.PDF 898KB).

^*To find out if a particular country has equivalent legislation and financial standards, please call the helpdesk

Employed customers

The latest one months' worth of payslips for all customers
Documentation required for bonus, overtime, commission and shift allowance in line with Evidential Documents Matrix
A minimum of one months' worth of personal bank statements to verify credit commitments – statements for additional accounts required where necessary to evidence all declared credit commitments
For customers with no credit commitments, a minimum of the latest months personal bank statement for their primary account is required
For customers on or about to take maternity leave, we ask for details including whether their income is affected by reduced hours - if it is, please provide an employer's letter
Evidence of any other income the customer wants us to take into account such as pensions, benefits, investments or rental income

Self-employed customers

Sole traders and partnerships (including LLP's with less than 200 partners - Category 2/3): please provide the last 2 years' Tax Calculations and corresponding Tax Year Overviews, the most recent of which must be no more than 18 months old (Tax Calculations can be an online print out from HMRC website, an SA302 or the computation produced by the customer's accountant using commercial software and submitted to HMRC)
Limited liability partnerships with 200 or more partners – Category 1: Please provide a letter issued by either the company finance director or accountant (the letter must detail the customer's earnings over the past two years and be dated within the last three months
Limited companies: please provide the last 2 years' signed by an accountant finalised financial accounts, the latest of which must be dated within the last 18 months.
A minimum of one months' worth of personal bank statements to verify credit commitments – statements for additional accounts required where necessary to evidence all declared credit commitments
For customers with no credit commitments, a minimum of the latest months personal bank statement for their primary account is required
The latest month's personal bank statement(s) obtained to verify credit commitments
Evidence of any other income the customer wants us to take into account such as pensions, benefits, investments or rental income

Buy to Let customers

For sole applications, the minimum basic annual income is £25,000 (excluding all rental income).

For joint applications, at least one party must have a basic annual income of £25,000 (excluding all rental income).

Non-UK Residents - Minimum income of £75,000 (excluding bonus, commission, overtime and rental income)

For HSBC/first direct Employed Customers:

Evidence of income must be provided in line with our residential policy on 'Assessing Income'.

For non HSBC/first direct Employed Customers:

The latest payslip (or last 4 weeks where the customer is paid weekly): and
The latest months bank statement

Salary must be credited within 35 days of the application (credit decision obtained date)

For Self Employed customers:

Latest years audited or certified accounts; or
Latest years Tax Calculation and corresponding Tax Year Overview (Tax Calculations can be an online print out from HMRC website, an SA302 or the computation produced by the customer's accountant using commercial software and submitted to HMRC)

Foreign national customers

All European Economic Area (EEA) Nationals and Swiss Nationals are treated as UK nationals.

We also accept applications from the Non-EEA Foreign Nationals who have been granted the right of abode or indefinite leave to remain or enter in the UK by the Home Office.

We will only lend to applicants without the right of abode or indefinite leave to remain in the UK if they meet all the following criteria: 

The customer must evidence that they have lived and worked in the UK for a minimum of 12 months at point of application – evidenced through passport stamp
The customer must have a work permit / visa with at least 12 months left to run until expiry at point of application
Maximum LTV of 75% for mortgage borrowing or additional lending
Additional lending cannot be used for debt consolidation
Deposit is funded from the customer's own resources. Gifts and builder's cash backs are not acceptable, unless they are in addition to the 25% deposit provided from the applicants own resources
Foreign nationals without indefinite leave in the UK or no right of abode entitlement not meeting the above criteria are subject to the same criteria as Non-UK residents, as set out in the overseas customers section

Contact us

Documents

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