Your Client Hub.

Your fact find tells us about you, your income, your outgoings and your plans, so we can recommend what genuinely fits. It works for one or two applicants, saves as you go on your device, and sends straight to us when you finish. Pick the one that matches what you need.

Two quick steps

Doing both? You only sign the Terms once on the same phone or computer. Joint applicants each draw their own signature.

Life cover, critical illness cover, income protection and home insurance: the things that keep the keys in your hand if life takes an unexpected turn. Our protection fact find tells us about you, your family and any cover you already have, so we can show you what's worth having and what you can afford. It takes around 15–20 minutes; any policy documents you have will help.

Two quick steps

From every applicant. These are the minimum — we may ask for more once we've looked at your case.

1 · Proof of identity (one of)

• Current signed passport — photo page and the page above, on one scan
• Photocard driving licence (full or provisional) — front and back
• National identity card

2 · Proof of address (one of)

• Latest bank statement showing your name, address, sort code and account number
• Council tax bill or benefit letter
• Current tax code notice (not a P60 or P45)
• Photocard driving licence — but only if you haven't used it for ID

3 · Proof of income

• Employed: latest 3 months' payslips and your latest P60
• Self-employed / Ltd company: SA302s and tax year overviews, and/or accounts — usually for the last 2 years
• Retired: latest pension statements or annual pension letters

4 · Bank statements

3 full, consecutive months for the account your salary is paid into. If your bills come out of a different account, 3 months of that too.

5 · Credit report

Your full report covering the last 6 years, as a PDF — see the Credit report tile.

6 · Plus…

• Buying: proof of your deposit (savings statements, Lifetime/Help to Buy ISA, or a gifted deposit letter)
• Remortgaging: your latest mortgage statement

Please use our secure upload rather than email. It keeps your information safer and everything lands in one place.

1 · Tick what you're uploading

2 · Upload them

1. Have your documents saved as PDFs.
2. Add your name, email and phone number.
3. Drag and drop your files. You can upload several at once.
4. Press send. We'll be in touch if anything's missing.

What we need

• The last 3 full months, one after the other
• Your name, address, sort code and account number showing
• PDFs downloaded from your bank — not screenshots, and nothing blacked out
• The account your wages go into, plus your bills account if it's different

Pick your bank for its step-by-step guide

Only needed if you're self-employed, a company director, or fill in a tax return. We need two things for each of the last 2 years:

Easiest way: ask your accountant

If an accountant does your tax return, ask them to email you both documents for the last 2 years. That's it.

Doing it yourself

1. Sign in to HMRCClick the button below and sign in to your HMRC online account (Government Gateway or GOV.UK One Login).
2. Go to Self AssessmentThen choose More details about your Self Assessment returns and payments.
3. Get your tax calculation (SA302)Pick the tax year, open the tax calculation and save it as a PDF (or print it).
4. Get your tax year overviewOpen the tax year overview for the same year and save that as a PDF too.
5. Do it again for the year beforeSo you've got 4 PDFs in total, then upload them to us.

Someone giving you money towards your deposit — usually family. The person giving it needs to send us three things:

The gift letter writes itself

Fill in a few boxes and the letter is ready to print. Anything still missing is highlighted, so nothing gets forgotten.

Also worth reading: donor privacy notice · gifted deposit guide

We need a full credit report from every applicant, covering the last 6 years. It's essential if you've had any credit problems or are consolidating debt — it means no surprises when the lender checks.

What we need

• A report showing Experian, Equifax and TransUnion
• Saved as a PDF (with any password)
• Free score apps like ClearScore or Credit Karma don't show enough detail, so we can't use them

We recommend Checkmyfile, which shows all three agencies side by side. It's free for 30 days, then £14.99 a month unless you cancel — so set a reminder.

Checkmyfile will open in a new window. This page stays open, so you can come straight back here afterwards.

Once you're in

1. Sign up and confirm who you areFollow Checkmyfile's steps.
2. Download your full report as a PDFIt should show Experian, Equifax and TransUnion.
3. Upload it to usCome back to this page and use the secure upload.
4. Cancel if you don't want to keep itPut a reminder in your phone for day 29.