When submitting a mortgage application, each lender will have minimum ‘packaging’ requirements. This basically means there will be a minimum number of documents they will need to see before they will consider placing your case in front of an underwriter.
One of the documents a lender will always ask for is a bank statement. With internet banking being on the increase, fewer of us are opting to receive postal copies of our statements which is causing delays when trying to process mortgage applications. What many people don’t realise is that you can download pdf copies of your bank statements online which most lenders will accept. Occasionally they can be a little difficult to find so here are some links for the main banks which might help: