Income, Verification - Other Income
| Other Income type | Preferred Verification Document | Alternative Verification Document | |
|---|---|---|---|
| Attendance Allowance** | Latest Bank Statement | Latest Benefit Award Letter | |
| Additional Duty Hours (ADH)* | Latest 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly) | Employers Reference | |
| Adoption Allowance | Latest Bank Statement | Latest Benefit Award Letter | |
| Adult Disability Payment (ADP)** Scotland only |
Latest Bank Statement | Latest Benefit Award Letter | |
| Bursary | Letter of Confirmation from Payer | _ | |
| Carers Allowance** | Latest Bank Statement | Latest Award Letter | |
| Child Disability Payment (CDP)** Scotland only |
Latest Bank Statement | Latest Benefit Award Letter | |
| Constant Attendance Allowance** | Latest Bank Statement | Latest Award Letter | |
| Child Benefit | Proof of entitlement to child benefit document (accessed by the customer through the Gov.uk website) | Benefit awards letter dated in the last 12 months Latest Bank Statement |
|
| Scottish Child Payment (SCP) *** Scotland only | Latest Bank Statement | Latest Benefit Award Letter | |
| Child Tax Credit | Latest bank statement | Latest Award Letter | |
| Disability Living Allowance** | Latest Bank Statement | Latest Award Letter | |
| Employment and Support Allowance** | Latest Bank Statement | Latest Award Letter | |
| Flexible Benefits | Latest payslip, (this applies whether the applicant is paid weekly or monthly).* | Employers Reference | |
| Flight Pay/Allowance* | Latest 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly) | ||
| Foster Care Allowance | Latest 2 years Tax Calculations and Latest 2 years Tax Year Overviews | For more information follow this link: https://www.gov.uk/foster-carers/help-with-the-cost-of-fostering |
|
| Guardian Allowance | Latest Bank Statement | Latest Benefit Award Letter | |
| Industrial Injuries Disablement Allowance** | Latest Bank Statement | Latest Award Letter | |
| Maintenance | Latest 3 months bank statements | Court Order or Maintenance Assessment or letter from Child Maintanance Services (CMS) | |
| Mortgage Subsidy | Latest Payslip* | Employers reference | |
| Nursing Bank* | Latest 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly) | Employers reference | |
| Pension - Credit | Latest Bank Statement/Pension P60 | Latest Pension Statement | |
| Pension - Private (including Company/Occupation - Drawdown Pensions not Acceptable) Customer is already retired |
Latest Payslip | Latest Pension Statement/P60 or Latest Bank Statement |
|
| Pension - Private where the customer has less than 10 years until retirement (including Company/Occupation - Drawdown Pensions not Acceptable) |
Private/Company Forecast Statement (dated within the last 12 months) |
|
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| Pension - Private where the customer has more than 10 years until retirement |
Latest Payslip |
Latest Pension Statement |
|
| Pension - State | Latest Bank Statement | Latest Pension Statement | |
| Pension - War Disablement | Latest Bank Statement | Latest Pension Statement | |
| Pension - War Widow(er) | Latest Bank Statement | Latest Pension Statement | |
| Personal Independence Payment (PIP)** |
Latest Bank Statement | Latest Award Letter | |
| Rental Income |
Property currently let Either 3 month's bank statements or |
Tenancy agreement**** or Letter/invoice/statement from letting agent or Letter from accountant or solicitor |
|
| Shift Allowance* | Latest 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly) | Employers reference | |
| Stipend | Letter of Confirmation from Payer | - | |
| Widowed Parents Allowance (including Widow's Pension) |
Latest Bank Statement | Latest Pension Statement | |
| Working Tax Credits | Latest Bank Statement | Latest Benefit Award Letter | |
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*For additional duty hours, flight allowance, nursing bank or shift allowance we will average the last 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly). Provided that each payment is within 10% of the average we will allow 100% of the income, otherwise we will allow 60%. Example - Month 1 £95, Month 2 £100, Month 3 £105. Total income £300, average £100pm. As each payment is between £90 (10% below average) and £110 (10% above average) we can treat as guaranteed. If one of the payments was below £90 or above £110 we would treat as non guaranteed even if the total income across the 3 months was the same. **To be keyed under Disability Living Allowance on TSB Mortgage Pro *** To be keyed under Child Benefit on TSB Mortgage Pro ****Scottish tenancy agreements cannot be used to evidence rental income as they have no fixed end dates. |
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For applicants paid monthly or 4 weekly, the latest payslip must be dated within 6 weeks of the date of the full mortgage application.
Affordability must also include future changes to income. Please refer to Future Changes , for more information.