Useful Resources

• Product Guide
  Overview of Saffron’s product range.

Standard forms used to package most cases correctly first time.

• Income & Expenditure Planner
  Standard affordability form for most residential cases.
• Expat Residential Income & Expenditure Planner
  Affordability form for expat residential applications.
• Assets & Liabilities
  Summary of client assets and liabilities to support underwriting.
• Earned Income (Working Age)
  Breakdown of employed income for working‑age applicants.
• Self‑Employed Income Form
  Used to capture income details for self‑employed clients.
• Gifted Deposit Template
  Confirmation of gifted deposit source and donor declaration.
• Broker Declaration of Client Vulnerabilities
  To notify us of any client vulnerabilities requiring support.
• Top 10 Tips for a ‘Right First Time’ application
  Practical guidance to help avoid delays and rework.

Forms and guidance for landlord cases.

• Property Portfolio Form
  Required for portfolio landlord applications.
• Limited Company Buy‑to‑Let Guidance Notes
  Key information for limited company BTL cases.
• Assets & Liabilities (Non‑Portfolio Landlords)
  Financial overview for non‑portfolio BTL applicants.

Additional requirements where interest‑only lending is used.

• Interest Only – Sale of Mortgaged Property
  Evidence of repayment strategy via property sale.
• Interest Only Repayment Strategy
  Confirmation of how the loan will be repaid at term end.

Everything needed for staged and non‑standard builds.

• Guide to Self Build Mortgages
  Overview of how Saffron supports self‑build cases.
• Guide to Custom Build Mortgages
  Guidance for custom build applications.
• Self‑Build Supplementary Information Sheet
  Key project details required at application.
• Self‑Build Progress Report Request
  Used during the build to release stage payments.

Specialist forms for property development finance.

• Bridging Application Form
  Application form for short‑term bridging finance.
• Development Finance Application Form
  Application form for property development finance.
• Development Finance Supplementary Information Sheet
  Additional information to support development cases.
• Property Development Finance – Assets & Liabilities
  Financial overview for development finance applicants.

Documents specific to Retirement Interest Only cases.

• RIO – Guidance Notes
  Eligibility and criteria guidance for RIO mortgages.
• RIO – Supplementary Sheet
  Additional information required for RIO applications.

Reference documents for brokers.

• Tariff of Mortgage Charges
  Full list of Saffron mortgage fees and charges.
• Broker Terms of Business
  Terms governing our relationship with intermediaries.