You seem pretty trustworthy to us, but the financial conduct authority (FCA) demand that we retain certain proofs on file to support what you’ve told us about your circumstances. So to help us turn things around for you as quickly as possible, please refer to the guidance below explaining how your documents need to be presented for lenders to accept them.

Please upload documents via our secure client portal, or you can bring originals to our office and we’ll take copies.  If you prefer to email documents to us, please bear in mind that we cannot guarantee the security of email traffic.

IMPORTANT: Please don’t send us screenshots – we can’t use these.

Evidence Type	Acceptabe Formats	Requirements for this type of evidence	Validity Criteria
Proof of Identity	Photo or Scan, saved as a PDF, jpg or png	• Passport OR Driving Licence • Whole document must be visible without obscurations or reflections • Driving Licence must show current address	Document must not have expired
Proof of Name Change	Photo or Scan, saved as a PDF, jpg or png	• May be required if another name appears on any of your documentation or credit search • Marriage / Civil Parternsip / Deed Poll certificate
Proof of Address	Photo or Scan, saved as a PDF, jpg or png	• Utility Bill <3 months old • Council Tax for the current year • Mortgage Statement <12m old	Must be for your current address
Proof of Income (Employed)	Photo or Scan, saved as a PDF, jpg or png	• Last 3 months payslips AND Latest P60 • If in receipt of regular bonus/overtime/commission then all payslips in the last 12 months showing this • If in receipt of an ANNUAL bonus then last 2 payslips showing this
Proof of Income (Sole Traders, Partners & Ltd Co Directors)	Photo or Scan, saved as a PDF, jpg or png	• Accounts for the last 2 years (showing 3yrs figures) • Tax Calculation Summaries for the last 3 years (From your accounting software or downloaded from HMRC portal) • Tax Year Overviews for the last 3 years (Downloaded from HMRC portal) • Last 3 months Business Bank Statements	Accounts must be full (showing profit and loss) and finalised (not draft) Bank Statements must show business name and full transaction history
Bank Statements	PDF Download from internet banking, or Photo or Scan of hard copy, saved as a PDF, jpg or png	• Required for ALL active current accounts held • Covering the last 3 months in full • If online go for ‘statements’ rather than ‘transactions’ • Spreadsheets & Screenshots NOT acceptable	Must show your name, account number & sort code Nothing obscured or redacted
Mortgage Statement	PDF Download from internet banking, or Photo or Scan of hard copy, saved as a PDF, jpg or png	• Latest Mortgage Statement from lender • Must show property address & account number	Dated no older than 12 months
Proof of Deposit / Funds	PDF Download from internet banking, or Photo or Scan of hard copy, saved as a PDF, jpg or png	• Bank Statement showing location of funds and 6 months account history • If only recently transferred to account, historical statements / proof of previous location of funds covering 6 months	Must show your name, account number & sort code Nothing obscured or redacted
If Deposit / Funds being Gifted to you	Photo or Scan, saved as a PDF, jpg or png	• Gift letter signed by donor (we will send you a template) • Proof of their funds as per section above	As above
Proof of Rental Income for let properties	PDF Download from internet banking, or Photo or Scan of hard copy, saved as a PDF, jpg or png	• Tenancy Agreement for each let property (must be full, current and signed) • Bank statements showing last 3 months rent received	Must show your name, account number & sort code Nothing obscured or redacted

Please let us know if you have difficulty in supplying any of these requirements.