Income, Verification - Other Income
| Other Income type | Preferred Verification Document | Alternative Verification Document |
|---|---|---|
| Attendance Allowance (AA)** | 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 (CA)** | Latest Bank Statement | Latest Award Letter |
| Child Disability Payment (CDP)** Scotland only |
Latest Bank Statement | Latest Benefit Award Letter |
| Constant Attendance Allowance (CAA)** | 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 (ESA)** | 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 Benefit (IIDB)** | 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 |
| NHS 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) |
|
| 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 |
|
*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. |
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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 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.