Acceptable Forms of ID,
Proof of Address
& Earnings
You must provide one proof of identity (ID) and one proof of address (POA) and an additional item of either ID or POA from the approved list below. The additional item must be provided from a separate source i.e. 2 bank statements; one for a savings account and a second for a current account from the same provider would not be accepted.
If you are making a joint application then bills in joint names may be considered as one proof of address for each of the named individuals on that bill. Where you have recently married and have not made the appropriate changes to your documentation please also include your marriage certificate.
You must provide us with proof of your income.
Personal Identity
This can be:
- Your current signed passport;
- Or your current photocard driving licence (full or provisional);
Address verification
This can be:
- Your current photocard driving licence (full or provisional). Sorry – you can’t use the same licence for both photo and address ID, we’d need another document too.
- Current council tax bill dated within 3 months.
- Bank Statement or Credit Card Statement showing your name and address dated within 3 months.
- Utility bill including water, landline, electricity or gas bill. Sorry, no mobile phone bills.
Proof of Earnings
- Latest 3 months payslips and
- P60 for last tax year.
If you have lost your P60 you can get a replacement from your employer.
If self-employed:
- Latest 3 Year’s accounts and
- HMRC self assessment documents for the last 3 years (e.g. SA302) plus confirmation of receipt from HMRC.
- Please provide the last 3 years Tax Year Overviews to support the SA302’s.
How to Get Your SA302 Form Online
You can get your SA302 form online instantly, assuming you are up to date with filing your self assessment tax return forms.
Check with your broker exactly what you need. But the two documents you are most likely to need are:
- Tax Calculation – which is a summary of your total earnings and tax from your submitted tax return;
- Tax Overview – which confirms that you have fully paid up your tax.
Each tax calculation and overview is for one tax year. So if your application requires evidence going back 3 years then you need 3 tax calculations and 3 tax overviews.
How to Get Your SA302 Tax Calculation Form Online
- Login into your HMRC personal tax account
- Choose ‘More Self Assessment Details’
- Click on ‘Get Your SA302 Tax Calculation’
- Continue to Your SA302
- Select the option to ‘Print Your Full Calculation’
- To print for a different tax year choose ‘Tax Return Options’ on the left hand menu
- Select the year you require
- Choose the option to ‘View Your Calculation’
- Click ‘View and Print Your Calculation’
How to Get Your Tax Year Overview Online
- Login into your HMRC personal tax account
- Select View Account on the left hand menu
- Click Tax Years on the left hand menu
- Choose the required Tax Year from the drop down menu and hit Go
- Click ‘Print Your Tax Year Overview’
How to Get Your S302 Form by Phone
You can get your SA302 form from HMRC by phoning them on 0300 200 3300. They will then post the document to you.
Bank Statements
- Your most recent, last 3 months personal bank statements for all applicants (where salary/personal income is credited)
PDF downloaded online statements will usually be accepted as long as they show name and address – sorry, we cannot accept a ‘screen grab’.
We’ll need a clear scan or photograph of your Photo and Address ID please. Or downloaded pdf documents are perfect for address ID.
We’ll run an electronic ID check alongside your documents, please be aware that lenders may wish to see a certified copy of your identification.
We’re stating the obvious now, but all photo ID must be signed, and valid and all address ID must show name, date and address. There are still some banks (you know who you are) giving copies of statements not showing name and address!
Although you can post originals to us, downloaded pdf’s are best for any utility bill’s or bank statements you may be sending to us.
Please note that the above isn’t an exhaustive list, since lenders will always reserve the right to request additional documents where they feel it is warranted. The above documents will however ensure that we can confirm that our initial advice and choice of lender are correct and accurate in terms of lending policy and criteria, we can complete an application form accurately and that the majority of lender document requests are held on file whilst handling your application.
Thank you in advance.
Working with leading brands from the whole market, including…