In our own files, the single most common cause of a delayed completion is not a credit event. It is a document that arrived incomplete, undated, or in a format the lender cannot accept.
The usual six
- The missing page of a tax return. Lenders need every page, including the ones that say nothing.
- An undated gift letter. It must name the giver, state the funds are not repayable, and be dated before the transfer.
- A screenshot instead of a statement. It needs the account holder’s name, the account number and the period, all visible.
- A large unexplained deposit. Anything unusual needs a paper trail; sourcing it after the fact is far slower.
- An expired identification document. Check the date before you send it, not after.
- A payslip that predates the application by more than a month. Freshness rules are strict and rarely flexible.
None of these are difficult. All of them are quicker to get right the first time than to correct at week three.
