Acceptance of Electronic ID
Will we accept that the applicant has been Electronically Identified by the Broker removing the need for Certified ID?
Auto-Income Verification for Employed Applicants
Will we verify the applicant's employed income electronically, negating the need to see evidence of income?
Bank Statements
Will we consider assessing an application without the need for Bank Statements? If not, what is required and what Bank Statement formats are acceptable?
Certifying Documents
What are our specific requirements for the Certification of Documents?
Direct Debit Details
What is our policy on Direct Debits? For example, must the payment come from the bank account of someone named on the mortgage? Can the applicant choose on which date their Direct Debit is taken or is the date set by us?
Employed - Proof of Income
What evidence is required for Proof of Income for Employed Applicants? For example, how many payslips are required? Are corresponding bank statements required?
Mortgage Declarations and Direct Debit Mandates
What are our requirements for Mortgage Declarations and Direct Debit Mandates? For example, are these paper based? Is a wet ink signature required? What is our policy on these?
Payslips
What are our requirements to Payslips/Wageslips? What is our policy as to what is acceptable?
Proof of Personal ID
Will an application be accepted without proof of personal or photographic ID?
Proof of Residential ID
Will an application be accepted without proof of residential ID?
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