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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

Income, Verification - Other Income

Other Income type Preferred Verification Document Alternative Verification Document
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
Bursary Letter of Confirmation from Payer N/A
Child Benefit Proof of entitlement to child benefit document (accessed by the customer through the Gov.uk website) Latest Benefit Award Letter (dated within the last 12 months)

or

Latest Bank Statement
Disability Allowances - Not universal credit
  • Attendance Allowance (AA)**
  • Carers Allowance (CA)**
  • Constant Attendance Allowance (CAA)**
  • Disability Living Allowance (DLA)**
  • Employment & Support Allowance (ESA)**
  • Industrial Injuries Disablement Benefit (IIDB)**
  • Personal Independence Payment (PIP) **
 Scotland only:
  • Adult Disability Payment (ADP)***
  • Child Disability Payment (CDP) ***
 Latest Bank Statement Latest Benefit 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) N/A
Foster Care Allowance Latest 2 years Tax Calculations with latest 2 years Tax Year Overviews N/A
Guardian Allowance Latest Bank Statement Latest Benefit Award Letter
Maintenance Latest 3 months bank statements Court Order

or

Maintenance Assessment

or

Letter from Child Maintenance Services (CMS)
Mortgage Subsidy Latest Payslip* Employers reference
NHS Bank* Latest 3 months payslips (last 6 where paid fortnightly or last 12 where paid weekly) Employers reference
Pension - Credit Latest Bank Statement 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)  N/A
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
Rental Income Property currently let Either 3 month's bank statements  or

Intending to let existing property agent Letter from letting agent confirming expected rental payment.      
Tenancy agreement****

or

Letter/invoice/statement from letting agent

or

Letter from accountant or solicitor
Scottish Child Payment (SCP) *** Scotland only Latest Bank Statement N/A
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 N/A
Universal Credit

- Standard Allowance

- Child Element / Children in Childcare

- Disability Element

The following must be treated & keyed as Universal Credit Disability Element:
  • Carer’s Element
  • Disabled Child Element
  • Severely Disabled Child Element,
  • Limited Capability for Work – Health Related Support (LCW)
  • Limited Capability for Work and Work Related Activity (LCWRA)
 Latest 3 months consecutive Universal Credit Payment Statements, and Last 3 months corresponding Bank Statements. N/A
Widowed Parents Allowance 
(including Widow's Pension)		 Latest Bank Statement Latest Pension Statement
*For additional duty hours, flight allowance, NHS bank (to be keyed under 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 Allowances (Including AA, ADP, CA, CAA, CDP, DLA, ESA, IIDB, PIP) 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.

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 any known future changes to income. Please refer to Future Changes, for more information on when the known future changes should be reflected within income.