What documents do I need to apply for a Non Resident UK Mortgage?

We will ask for documents to support your application, for example proof of income and proof of address.

We will tell you exactly which documents we need you to provide, but the information below is here to guide you.

Proof of identity

We need to verify your identity* in order to comply with our legal and regulatory requirements. Please bring your current passport to your appointment and we will take a copy for our records. If you live outside of Jersey or the Isle of Man, your appointment will be via video call.

* This must match the name on the application form as we will open the account as confirmed by the passport. If you are recently married, please also provide your original marriage certificate so we can open the account in your married name.

Proof of current residential address

To enable us to verify your current residential address for each applicant, please bring one of the following documents to your appointment. The document you bring must not be more than six months old, showing your name and address and should be an original, not a copy.

• Utility bill for fixed services
• A recent account statement from a regulated bank, building society or credit card company
• Local rate assessment or local taxes bill
• Personal tax assessment
• A recent mortgage statement from a regulated lender (not Santander International)
• A valid photographic driving license or national identity card that states the full address – this cannot be the same document used to verify the applicant’s identity
• A letter from an employer signed by a director/manager, confirming the applicant’s residential address. The group, or branch/subsidiary, providing this must be the group headquarters of the employing entity, and must be provided on company letterhead
• A letter from a care home senior employee confirming each applicant’s full name and how long they have been resident in the care home, and must be provided on company letterhead (for Isle of Man and Jersey residents only)

Income

If you are employed

• Payslip: your last three consecutive months’ payslips. Your payslip must show:
  • Your employer’s name – if this is not shown, we will need your latest bank statement showing your salary credit
  • Your name, which must match how it appears on your application
  • Tax rate
  • Net pay
  • Gross pay
• Letter from employer: The document must be printed on the current employer’s letterhead with applicant’s name, position, annual or monthly remuneration amount, signed-off by authorised person and employer’s contact details for purpose of verification clearly presented

If you are self-employed

• Sole Trader: Your last three years’ tax assessments
• Director with 20%+ shareholding in a limited company: we will require the last 3 years signed & audited accounts for all limited company accounts held*. Alternatively, we can send an accountant’s certificate to your accountant, so they may complete the key financial information and return this to us

* Updated profit & loss information may also be requested to support your income and the latest accounts must be no older than 18 months old.

Any other income

If you want to use other income to support your application, there are some other documents we need:

• Bonus/commission: your last three monthly payslips showing this payment as a minimum. We may request additional payslips to support your income
• Annual bonus/ commission: your last three years’ payslips confirming the annual cash bonus amount or a letter from your employer
• Rental income - written confirmation from letting agents: for rental income being paid by the letting agent (net of all deductions such as their fees, withholding tax, ground rent etc). The letting agent is expected to be a member of a recognised professional body
• Rental income - copies of lease/tenancy agreements: we require the most recent three months’ bank statements that evidence receipt of the rental income. Copies of leases should evidence that they have been dated and signed by all parties and we must be able to verify the signature of our applicant. The agreement should still be current and not past expiry date
• Pension: statements or letter from the organisation providing the pension confirming the pension income
• Investment income: investment or bank statements showing the most recent three years’ investment income

Bank statements

We need the latest three months’ bank statements for all sole/joint bank accounts and they must show:

• Debits
• Commitments, such as residential mortgage payments and/or mortgaged investment propoerties owned, which must match your application
• Running balance regular transfers/one off payments or non-essential expenditure

Please note: Online bank statements are acceptable, but we do not accept statements where information is illegible or has been amended.

Deposit evidence

We need to see evidence of any deposit you are planning to make towards the property.

• Savings: Bank statement to confirm deposit held in your bank account
• Gift: Should the deposit or part of the deposit be gifted we require a letter from the donor addressed to Santander International (a gift template is available upon request)
• Equity from previous property sale: Memorandum of Sale from the estate agent handling the sale
• Other source: Please annotate on the application form and provide the relevant evidence

Re-mortgaging to us

We need to evidence you have paid your existing mortgage on time with no missed or late payments.

• Existing mortgage statement covering mortgage payments over the latest 12 month period
• Bank statements evidencing the last 12 months in the event a mortgage statement is not available

Interest only

If you are planning to sell the property to pay off your mortgage at the end of the term, we need:

• a signed sale of mortgaged property customer declaration form

If part or all of your interest only repayment plan is linked to savings and investments we need:

• the most recent statement for an endowment scheme, savings or investment plan

Corporate property ownership / Corporate borrower

If you are borrowing under a corporate vehicle or the property will be owned under a corporate structure, we will also require the below documentation:

• A structure chart which shows the ownership and control of the entity and where it sits in any larger structure
• An original or clearly legible photocopy of a document to verify the entity’s financial status such as the latest financial statements, bank statements, tax return or letter from accountant
• An original or certified copy of your permanent residential address (no more than six months old), for each Director, Controlling Person and Shareholder with more than 10% holding or who exercise significant control
• An original or certified copy of the company’s Certificate of Incorporation
• An original or certified copy of the company’s Memorandum and Articles of Association
• An original or certifed copy of the company’s latest annual return or a certificate of good standing
• An original or certified copy of the Shareholder’s Register
• An original or certified copy of the Director’s Register

Santander International is the trading name of Santander Financial Services plc, Jersey Branch and Santander Financial Services plc, Isle of Man Branch.

Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. Santander Financial Services plc, Jersey Branch has its principal place of business at 13-15 Charing Cross, St Helier, Jersey JE2 3RP, Channel Islands and is regulated by the Jersey Financial Services Commission. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19 - 21 Prospect Hill, Douglas, Isle of Man, IM1 1ET and is regulated by the Isle of Man Financial Services Authority.  www.santanderinternational.co.uk

Santander and the flame logo are registered trademarks. The latest audited accounts are available upon request. Calls to Santander International are recorded and may be monitored for security and training purposes.