Done to death I know but... what extra docs did you have to provide for Santander (self employed)?

SueF1

Applied for 85% mortgage via broker with Santander yesterday.  I'm employed and my partner is self employed. AIP has been agreed but can you tell me what extra documents have you had requested for a similar situation? Done the usual SA32, accountant reference,  3 months business and personal bank statements....

Many thanks 

Gypsy17

Savings account statement for aug 2018 and 2019 by broker

SueF1

Gypsy17 said:

Savings account statement for aug 2018 and 2019 by broker

Even if payment is only coming from mortgage and equity?
Not a problem,  just wondering 

Gypsy17

We are first time buyers so had to show proof of deposit, I.e savings not gifted

SueF1

Any SE with any info?

söpöpöllö

Different lender, but I also had to submit January, February and March statements due to the covid situation.

SueF1

söpöpöllö said:

Different lender, but I also had to submit January, February and March statements due to the covid situation.

Ok thanks that's interesting.  Presumably they're just checking for consistency or that your work hasn't taken a hit after covid

söpöpöllö

SueF1 said:

söpöpöllö said:

Different lender, but I also had to submit January, February and March statements due to the covid situation.

Ok thanks that's interesting.  Presumably they're just checking for consistency or that your work hasn't taken a hit after covid

Yeah, according to our broker they wanted to see the income was consistent during the early covid days. Although in my line of work the early months of the year are always a bit slower than the rest of the year, so I just explained that and no one questioned it further.

SueF1

söpöpöllö said:

SueF1 said:

söpöpöllö said:

Different lender, but I also had to submit January, February and March statements due to the covid situation.

Ok thanks that's interesting.  Presumably they're just checking for consistency or that your work hasn't taken a hit after covid

Yeah, according to our broker they wanted to see the income was consistent during the early covid days. Although in my line of work the early months of the year are always a bit slower than the rest of the year, so I just explained that and no one questioned it further.

Have you had an offer yet? How long did it take?/ taking so far?

söpöpöllö

SueF1 said:

söpöpöllö said:

SueF1 said:

söpöpöllö said:

Different lender, but I also had to submit January, February and March statements due to the covid situation.

Ok thanks that's interesting.  Presumably they're just checking for consistency or that your work hasn't taken a hit after covid

Yeah, according to our broker they wanted to see the income was consistent during the early covid days. Although in my line of work the early months of the year are always a bit slower than the rest of the year, so I just explained that and no one questioned it further.

Have you had an offer yet? How long did it take?/ taking so far?

No, not yet! It's taken 15 working days so far.

blacksheepvegan

We just had offer from Santander, I’m SE, partner is PAYE. They asked for their own accountants certificate to be completed by my accountant, partners latest wage slip. No bank statements. No other documents apart from ID.