RESOURCES
Property Finance Documentation Checklist
Cross-product documentation requirements for UK property finance broker submissions.
Obsidian Deal Ops
Property Finance Documentation Checklist
Standard requirements across bridging, development, commercial, and buy-to-let submissions
1. Borrower and Guarantor Identification
☐Photographic ID (passport or driving licence) — all borrowers, guarantors, and PSCs
☐Proof of address dated within last 3 months (utility bill, bank statement, or council tax)
☐Source of funds / source of wealth evidence
☐Credit report or authorisation for lender credit search
2. Corporate Borrower (Limited Company / LLP / SPV)
☐Certificate of incorporation
☐Memorandum and articles of association (or LLP agreement)
☐Latest filed accounts (typically last 2 years)
☐Confirmation of directors and persons of significant control
☐Corporate structure chart (for multi-entity groups)
☐Board resolution authorising the borrowing
☐Trust deed or constitutional documents (SPV / trust borrowers)
3. Property and Security
☐Full property address and title number
☐Official copies of title register and title plan (dated within last month)
☐Details of existing charges, restrictions, or covenants
☐Valuation report or confirmation of valuation instruction
☐Property photographs (interior and exterior, recent)
4. Development and Refurbishment (Where Applicable)
☐Schedule of works with itemised costs
☐Planning permission or Permitted Development confirmation
☐Contractor details, qualifications, and insurance
☐Project timeline with key milestones
☐Quantity surveyor report (development finance)
☐Professional team details (architect, structural engineer, project manager)
5. Commercial Investment (Where Applicable)
☐Tenancy schedule with lease dates, break clauses, and rent reviews
☐Copies of current leases
☐Rent roll reconciliation against bank statements
☐Service charge budget and accounts
☐EPC certificates for each unit
☐Tenant covenant information (accounts or credit references)
6. Financial Information
☐Bank statements — all active accounts (3 to 6 months)
☐Proof of income (payslips, SA302, tax returns, or accountant's letter)
☐Schedule of assets and liabilities
☐Management accounts (if filed accounts > 9 months old)
☐Cash flow forecast (development and refurbishment projects)
☐Source of deposit with supporting bank evidence
☐Existing property portfolio schedule (if applicable)
7. Exit Strategy
☐Sale exit: agent valuation, marketing evidence, comparable sales
☐Refinance exit: DIP or AIP from long-term lender, criteria confirmation
☐Development exit: GDV evidence, pre-sales, marketing strategy
☐Exit timeline with supporting rationale
8. Legal and Compliance
☐Solicitor details — borrower and lender (name, firm, SRA number)
☐Undertaking from borrower's solicitor (where required)
☐Confirmation of no adverse litigation or disputes
☐Buildings insurance evidence or confirmation of arrangement
☐Consent to search and credit check (signed by all parties)
☐Signed privacy notice and data processing consent
9. Deal Summary and Broker Commentary
☐Deal type, purpose, and background
☐Loan amount, LTV, and term
☐Property description and location
☐Borrower profile (experience, financial strength)
☐Exit strategy with supporting rationale
☐Known issues or sensitivities addressed upfront
☐Lender fit rationale — why this deal suits the target lender
10. Pre-Submission Verification
☐All documents are final versions (no drafts or superseded copies)
☐File names are consistent and descriptive
☐Deal terms are consistent across all documents
☐Borrower names and property addresses match throughout
☐Pack is indexed and logically ordered
☐Gap audit completed against target lender's specific requirements