Packaging Guidelines

As applicants are non-UK resident, please note the documentation requirements may possibly be more extensive than for UK resident mortgage applications with other banks.

Please read these guidelines carefully. Applications will NOT be underwritten unless a full pack is received and incomplete applications will be returned to sender as underwriting cannot be completed until all packaging requirements have been satisfied.

For House Purchases you must instruct solicitors to act on your behalf. You are of course at liberty to instruct any solicitor of your choice, however, Skipton uses Conveyancing Direct for properties in England and Wales and Aberdein Considine for properties in Scotland. Both firms do offer Skipton clients a competitive rate and whilst your and Skipton’s interests are represented separately it can often be more efficient and timely to use a common firm.

Conveyancing Direct may be contacted via Simonetta Filippi, on +44 (0)1424 464900 or by email at sales@cdpll.co.uk. Aberdein Considine Solicitors may be contacted via their Senior Solicitor, Natasha Day, on +44 (0) 1224 337 467, or by email at skiptoninternational@acandco.com

Please ensure each applicant provides the listed below supporting documentation with the application. The pack can be sent via email or posted/couriered to Skipton International Ltd’. If a panel intermediary, please contact the sales team for guidance on submitting applications.

• Photo Identification

  Certified copy of passport (our identification verification form, seen in the application pack, should be used by the certifier). If not using the form, the certification needs to be include the wording

  “I certify this is a true copy of the original document which I have seen, and the photograph bears a true likeness to the individual whom I have met”.

  Please ensure that the signature page of the passport is also provided. Copies must be certified by a professional person. For a list of Acceptable Certifiers please visit our Verification of Identity form.

• Address Verification

  Please provide one of the following as proof of current address (not required for previous addresses):

  • Original / certified copy of a Utility bill – no longer than 3 months old (excluding mobile phone bill or car insurance)
  • Original / certified copy of a Bank Statement – no longer than 3 months old
  • If a PO Box address is required, proof must be included as above (mandatory for clients in the UAE and Caribbean)

  Copies must be certified by a professional person. For a list of Acceptable Certifiers please visit our Verification of Identity form.

• Income confirmation

  Income must be from one source and cannot include rental income.

  i. Employed income

  Please provide the following documents in English. We can also accept certified translated documents from an easily identifiable, fully qualified translator.

  • Letter from employer confirming income, position and term of employment / or pension contract
  • One month salary slip

  ii. Self employed income confirmation

  If self-employed applicants must have been trading for a minimum of two years, please appoint a local fully qualified accountant working in an accountancy firm with a minimum of two partners. To complete Skipton International Accountants Certificate which can be found here. The firm and accountant must be:

  • Clearly identifiable
  • Suitably qualified (local equivalent of ACA, FCA, ACCA, FCCA, IPFA or ICAS)

  OR

  Alternatively, self employed applicants can provide the last years final income tax assessment (where written in English). 

  iii. Pension income – can be from more than one pension provider

  • Last one month pension slip (can be a copy – certification not required) or if not provided:
  • Most recent annual statement from the pension provider (can be a copy – certification not required)
• Bank statements – can be copies, certification not required

  Please provide the following documents in English. We can also accept certified translated documents from an easily identifiable, fully qualified translator. Please note that we are unable to accept TransferWise/Wise accounts.

  • One month bank statement. This must show their salary / pension being credited and mortgages/ rent being debited (if applicable). The statements must detail account holder’s name(s), account number, narrative, debits, credits and running balances.  
  • One month UK bank statement.
  • One month UK bank statement (Statement for the account stated on the Direct Debit Mandade)

  Any reversals, returned items or debit balances in excess of any overdraft limit should be fully explained with supporting documentation. (e.g. copy of savings account providing evidence of liquid cash available to cover these instances).

  Skipton International is unable to process an application where you have either had any reversals, returned items or debit balances in excess of any overdraft limit within the last three months.

• Mortgage statements – can be copies, certification not required

  Please provide the latest 12 months mortgage statements for all mortgages held. Statements must detail account holder’s name(s), account number, narrative, debits, credits and running balances.

  Skipton International is unable to process an application where you have either had a late or missed mortgage payment within the last 12 months.

• Source of Deposit Funding

  For all purchases you must complete the “Declaration of Source of Funds” section and provide supporting documentation: a list of acceptable documentary evidence is noted with this section. This is not required for remortgages.

• Gift Received

  Where the deposit or transaction costs/equity are being donated by a third party, please complete the Gift Letter. Please provide supporting documentation which details the source of funds, a list of acceptable documentary evidence is noted on the form.

• Tenancy agreements

  Please supply the latest copy of the Assured Short Hold Tenancy Agreement for ‘The Property’ if the application relates to a remortgage, equity release, further advance and revesting of names. Please see our ‘Property Letting Requirements’ at;

  England & Wales

  Scotland