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Packaging requirements

When you submit a full mortgage application, we'll ask you to upload relevant supporting documentation.

All applicants must provide the latest full bank statement for the account to which their income is credited. Salary must be credited within the 35 days prior to the application.

Statements for additional accounts will be required where necessary to evidence credit commitments and household expenditure. We also require the latest statement for the account from which the Direct Debit is to be drawn, if that has not already been supplied.

The following information may also be required:

When you submit an application online, we automatically run an electronic identity check. If the applicant's identity cannot be verified electronically, we'll ask for one of the following documents; each of which must be certified (signed or stamped) as a true copy of the original provided by the applicant (a separate document will be required to verify proof of address).

Our preferred forms of identification are:

  • Valid passport.
  • National ID card – this is only acceptable for EEA and Swiss Nationals.
  • Current UK driving licence - full or provisional.
  • Letter confirming the customer's right to benefits from the Department for Work & Pensions, Jobcentre Plus, a Benefits Agency or a Veterans Agency, dated within last 4 months.
  • HMRC tax notification (PAYE coding notice, HMRC notification of working tax credit, HMRC notification of child tax credit, HMRC notification of disabled person's tax credit or HMRC tax calculation).

For more information about the types of documents we accept, see Verifying a customer's identity.

When you submit an application online, we automatically run an electronic address check. If the applicant's address cannot be verified electronically, we'll ask for one of the following documents; each of which must be certified (signed or stamped) as a true copy of the original provided by the applicant (a separate document will be required to verify proof of identity).

  • Current UK driving licence - full or provisional.
  • Council tax bill, valid for the current year.
  • Utility bill, dated within last 4 months.
  • Telephone bill, dated within last 4 months. Mobile phone bills are not acceptable.
  • Home broadband, Sky or cable TV bill, dated within last 4 months.
  • Mortgage statement from a recognised lender, dated within the last 12 months. Mortgage statements from M&S Bank and letters of confirmation are not acceptable.
  • Credit card statement, dated within last 4 months. Credit card statements from M&S Bank are not acceptable. Certain conditions may apply for documents from overseas financial providers.
  • Bank, building society or credit union statement, showing all transactions and dated within last 4 months. Bank statements from M&S Bank are not acceptable. Certain conditions may apply for documents from overseas financial providers.
  • HMRC tax notification (PAYE coding notice, HMRC notification of working tax credit, HMRC notification of child tax credit, HMRC notification of disabled person's tax credit or HMRC tax calculation).
  • Letter confirming the customer's right to benefits from the Department for Work & Pensions, Jobcentre Plus, a Benefits Agency or a Veterans Agency, dated within last 4 months.
  • Insurance/Investment documents from a regulated financial sector firm (signed or system-generated).

For more information about the types of documents we accept, see Verifying a customer's address.

  • The latest month’s payslip (or equivalent where the applicant is paid weekly). Please note: Where the applicant’s basic salary or allowances cannot be established from the payslip further information will be requested, i.e. employment contract/letter from the employer.
  • The latest three months payslips and two years P60s for bonus, overtime and commission income. Maximum of 50% of variable income is taken into account for affordability.
  • The latest full month’s personal bank statement to verify the salary credit, credit commitments and household expenditure – statements for additional accounts will be required where necessary if multiple accounts are used.
  • For applicants on, or about to take, parental (maternity/paternity) leave, we ask for details of the applicant’s intentions for their return to work, and will calculate income accordingly.
  • Evidence of any other income the applicant wants us to take into account such as pensions, benefits, investments or rental income.

All self-employed applicants: please provide a minimum of the last three months’ commercial bank statements to confirm whether the business is still trading at a similar level to that seen within the accounts.

Where a business does not produce audited or certified accounts, we can accept the last two years’ HMRC Self-Assessment Tax Calculations (SA302), in conjunction with the corresponding HMRC Self-Assessment Tax Returns (SA100), in lieu of accounts.

  • Sole traders and partnerships: please provide the last two years’ signed audited or certified accounts, the most recent of which must be no more than 18 months old.
  • Limited companies: please provide the last two years’ signed audited or certified accounts (the most recent of which must be no more than 18 months old).
  • Limited liability partnerships:

  • For partners of category 1 LLPs, a letter issued by the company Finance Director or accountant will be accepted as confirmation of income. The letter should detail the applicant's earnings over the past two years and must be dated within three months of the application.

    For partners of category 2 LLPs, a letter issued by the company Finance Director or accountant and tax returns with SA302s will be accepted as confirmation of income. The letter should detail the applicant's earnings over the past two years and must be dated within three months of the application, and the tax returns with SA302s must be for the latest two years.

    For partners of category 3 LLPs, income must be evidenced in line with the 'Partnerships' income criteria – as detailed above. Plus, we'll need to confirm the applicant's shareholding by seeing either: two year's tax returns; a letter from the Finance Director or accountant of the LLP; or a copy of the partnership agreement – alongside the financial accounts.

    For applicants changing from an employed position to being a partner of a LLP within the last two years: a combination of evidence can be accepted to confirm income. For time served as an employee, income can be evidenced in line with current policy criteria for evidencing employed income. For time served as a LLP partner, income can be evidenced in accordance with the criteria stated above. If the applicant has not yet completed a year within the LLP, additional confirmation of the applicant’s shareholding is required by way of the partnership agreement or a letter from the Finance Director/Company Accountant, in addition to the LLP accounts.

All buy-to-let borrowing and rental income must be evidenced by the customer to help us identify professional landlords. The following evidence must be obtained:

  • Latest year's tax return (SA100) and/or the business signed audited/certified audited accounts (which must be dated within the last 18 months)
  • Latest Buy to Let mortgage statement(s) to show the Buy to Let borrowing outstanding.

Exceptionally, a current tenancy agreement, combined with the latest month’s bank statement, may be used, however, the application must be referred to an underwriter for full assessment. This will be considered where:

  • The applicant is paying tax related to their Buy to Let income via PAYE (this will need to be evidenced via a notice of coding and/or payslips); or
  • Properties have been purchased within the current tax year; or
  • The applicant is not paying tax on the Buy to Let income due to their overall gross income level being less than their personal allowance.

Contact the M&S Bank Broker Helpline on 345 002 1126 for a referral to an underwriter. Lines are open 8am-8pm Monday to Friday and 9am-1pm Saturday (excluding bank holidays).

We will provide a mortgage for applicants who have been granted indefinite leave to remain in the UK, indefinite leave to enter the UK, a ‘right of abode’ entitlement by the Home Office or where they are a national of the EEA or Switzerland. This will need to be evidenced by the applicant via either a current valid passport showing a visa stamp, a certificate of entitlement, a UK residency permit or a letter from the Border and Immigration Agency/Home Office confirming residency/right to abode. These applications will be subject to the standard lending criteria.

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