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Why only sending us the information we need can help avoid frustrating delays


Steve - Underwriter

Published 06.06.2018

Firstly I wanted to say thank you for taking the time to send us details about your customers, but did you know that sending us information we haven’t asked for can slow a case down? We’re obliged to underwrite everything we receive, whether we need it or not. This means we might have to ask more questions about your customer, which could result in frustrating delays in issuing an offer.

As a rule of thumb, for buy to let mortgage applications we only need a standard declaration form (and for limited companies a direct debit mandate), while for residential mortgage applications we need 3 months’ bank statements and income documents (P60 and 3 months’ payslips for employed customers or HMRC tax calculations and tax year overviews for self-employed customers).

With this in mind, we’ve created a Buy to Let Mortgages Submission Guide and a Residential Mortgages Submission Guide to give you an idea of the information we need at application. Click on the links to find out what we need you to include with your case. If we require any more information from you, we’ll get in touch and let you know what we need.

If you’d like to speak with a member of the team, give us a call on 0800 116 4385.


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