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Application tips

For Intermediary use only

Existing customer? Click here.


This list will guide you through submitting your application to make it as smooth as possible. Remember our expert teams are available should you need their support or seek clarification on document requested on our shopping list.


Application top tips

 Don’t type in capital letters.

If you do, the details will need to be changed which will mean resubmitting the information.


 Ensure the address history is accurate.

We’ll search addresses for the last 3 years and if they don’t match your information, the decision could be affected.


 Check the applicant’s full name is correct, including any middle or maiden names.


 Make sure any overtime/bonus or other types of income are separate from basic income. Any changes might affect affordability.


 If available provide 2 telephone numbers at initial application stage.


 Ensure that you have included the individual Solicitor acting as well as the company name. The case will not complete until the information is provided.


 If the employer’s head office address is different from the applicant’s place of work, please add a note in the additional information box as we will query this if the commute does not make sense.


 Ensure that information relating to the deposit is correct e.g. if it was a gift or savings.


 If the applicant is raising funds for home improvements, provide full details and any quotes.


 Use the standalone version of the Customer Declaration Form for your client to read and sign. You'll find this In the Intermediary Literature section. This will not appear on the shopping list but can be uploaded at the same time as the application.


Shopping list top tips

 Check the shopping list and only upload the requested documents.


 Bank statements should show salary credits and be for a full calendar month, you may need to send separate statements if using a ‘bills’ account. We also accept electronic bank statements.


 Please ensure that all documents are clear and legible.


 For the fastest and most secure way to get your documents to Platform, please use the “Upload a Document” option on the Documents tab in Clicktrack. Documents uploaded in Clicktrack are automatically verified and are actioned more quickly.


 Check the “Check and Send” tab on your application to ensure all required information has been supplied, it will be highlight if any information is missing.



The information contained within this section is for use by mortgage intermediaries authorised by the FCA.

Information is not to be disclosed or given to the public or is intended as a consumer advertisement as it does not provide APRCs or APRC Representative Examples.


The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.


Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Calls may be monitored or recorded for security and training purposes.

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