Forms and guides for mortgage intermediaries

To complete identity verification, we require an upload of the client(s) full, valid passport to our MITEK identification verification system.

We will send your client(s) instructions on how to access MITEK to submit their passport details.

The passport must:

• be signed. 
• include a clear photograph. 
• be in date. 

If the signature appears on a separate page from the photograph, please provide copies of both pages. In addition, we will require a document confirming your address.

We recognise that our customers come from diverse international locations, and as such, we accept a variety of documents. Based on our experience, we have identified the most commonly used and easily verifiable documents.

Please note the following important details:

• Employer's Letters
  We accept employer letters for customers residing in countries without a defined postal system (e.g. UAE). If an employer’s letter is provided, we may contact the author for verification, so please ensure they are contactable. The letter must adhere to our standard employer letter template. If you do not have this template, please contact your Business Development Manager.
• Tax Identification Number (TIN)
  We require a TIN. For customers who do not pay tax, we will need a residency number or its equivalent. Please contact us for further guidance.

The following documents are not acceptable:

• Mobile or broadband bills
• Tenancy agreements

The following documents are acceptable:

• Utility bills (electricity, water, gas, landline telephone)
• Bank, building society, credit card, or mortgage statements, or bank correspondence. Bank correspondence must be personal and addressed directly to the customer. Generic mailshots are not acceptable.

The documents must be uploaded electronically to MITEK alongside your passport copy and must be less than six months old.

We will send your client(s) instructions on how to access MITEK to submit the documents.

Important Note: The address confirmation document must relate to your residential address. If it includes a PO Box, please ensure it also includes the residential address linked to the PO Box.

For Capital and Interest / Interest only mortgages:

• Minimum and maximum age
  18-80 or scheduled retirement age, whichever comes first
• Minimum and maximum loan size
  £100,000 to £3.5 million
• Minimum and maximum loan terms
  3 years to 35 years
• Maximum Loan to Value (LTV)
  75% LTV up to £3.5 million

For more details, please contact us.

For Buy to Live mortgages, we only offer a Capital and Interest option.

• Minimum and maximum age
  18-75 or scheduled retirement age, whichever comes first
• Minimum income
  Gross income £50,000 (total for all applicants)
• Maximum Loan to Income (LTI)
  5 times income
• Minimum loan size
  £100,000 for new customers or £50,000 for existing customers subject to a minimum property value of £150,000 (at purchase)
• Minimum and maximum loan terms
  3 years to 40 years
• Maximum Loan to Value (LTV)
  80% LTV (New build flats: 75% LTV)

For more details please contact us.