Once you have a mortgage recommendation and you’re happy to proceed, the next step is uploading your documents. We use these documents to package and submit your application to the lender, who will also need to verify these documents to make sure they’re all above-board. Your mortgage expert will have provided you with a list of the documents you'll need to upload, but for some general guidance around what documents lenders you can expect to submit, have a read of this article.
We’ve created a handy document upload portal, which means we’re able to verify your documents electronically, saving you having to send any precious originals through the post.
However, to verify these documents, we need full colour, high-quality files in PDF format, scanned on a flatbed scanner. Lenders won’t accept photographs or scans using mobile apps, so be sure to follow the guidance in this article to save time and avoid any delays.
Each document should be scanned individually; for example, two passports scanned together will fail verification, but a file with two passports scanned separately will be fine. This means multi-page documents are acceptable as long as documents have been scanned one at a time.
When scanning documents smaller than A4 such as passports and driving licences, place them in the centre of the scanner so no edges are cut off. It can also help placing a blank sheet of paper behind them to make sure the scan stands out.
For documents that are dated, such as utility bills, make sure they are dated within the last three months. Please make sure there are no edges are cut off, there are no blemishes or marks, and your scan is 100% legible.
How to use the portal
The first step is to log into your account and view your current application. At the bottom left of the screen you’ll find ‘My Documents’, which is where our document upload portal is located.
Head to ‘My Documents’ and click the ‘Get Started’ button at the bottom of the page.
You can choose what types of documents you’ll be uploading by selecting the different tabs below Documents, such as Proof of ID or Proof of Address.
Once you’ve done this you can select the document type from the drop down menu, such as Passport for Proof of ID, or Council tax bill for Proof of Address.
When you’ve selected from the drop down menu you’ll then be able to upload documents by either clicking 'Upload' or using the drag and drop feature.
Your mortgage expert will confirm when all the required documents have been uploaded. Once this is done they’ll be able to approve them, and you’ll see the text below the file change from 'Pending Approval' to a green tick and ‘Document Approved!’.
If the documents you’ve uploaded aren’t up to scratch, your mortgage expert will give you guidance on what you’ll need to re-upload, and what the issue was with your original upload. After uploading your documents and having them approved, we can start to package up your application ready to be submitted to the lender.
What documents do I need to upload?
Your mortgage expert will have provided you with a list, so if you’re not sure, speak to them. Read this article for some more advice on what documents you'll be required to submit to your lender.
What document formats do you accept?
The documents you’ll be asked to upload can fall into two categories: paper copies (like passports), and digital copies (like online banking statements). To upload paper copies you’ll have to scan them on a flatbed scanner, and save them as a PDF. Digital copies can be downloaded as a PDF file, which is ideal for uploading straight to our portal.
What if I don’t have a scanner?
There’s a good chance you’ll have a scanner at work, and most multi-function printers have scanners built in. Alternatively, check with friends and family, your local library or print shop, and search online for where you can use a scanner.
Can’t I just send a picture, or use a scanning app on my phone?
Unfortunately, lenders will only accept high quality scans, as photographs and mobile scans don’t produce images at the level of detail required for document verification.