Add Co-Applicant

After the details regarding the main borrower were added, you are prompted to add the details for the co-borrower. Select the secondary applicant and click Continue.

In this step, you have to give information about the identity of the co-borrower. Fill in the following fields:

Field	Data Type	Mandatory	Description
Title	Option set	Mandatory	Choose between: Mr Mrs Miss Ms Doctor.
First Name	Text	Mandatory	Insert your first name.
Last Name	Text	Mandatory	Insert your surname.
Date of birth	Date	Mandatory	the user should select the date using a calendar. The calendar must offer the age range considering that the user cant be younger then 18 years at the moment of application. Max age should be no more then 150 yo.
Gender	Option set	Mandatory	Choose between: Male Female.
Marital Status	Option set	Mandatory	Choose between: Single Married/Civil partnership Separated Divorced Widow/Widower Living as partners.
Total nr of dependants	Option set	Mandatory	Choose between: 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15. This information is important for the scoring and financial analysis.
Nationality	Lookup	Mandatory	Select your nationality. This information is important for the financial calculations. There is a knock-out rule that says you must be British to advance in the DIP for Mortgage process.
Country of residence	Lookup	Mandatory	Select your country. You must choose United Kingdom. If you are not a UK resident, a toast message is displayed and you cannot continue the flow: We can only process mortgage applications for UK residents. Please visit us in one of our branches or by video call to talk about your options.

Click Continue.

Address Details

In this step, insert your addresses where you have lived in the last five years. It is used to check the credit history.

It contains the message: Please provide us your addresses for the past 5 years only. We'll use this information to check your credit history but it won't affect your credit score.

HINT
You need at least one address to continue the process.

Click Add address to begin:

Field	Data Type	Mandatory	Description
Postcode	Text	Mandatory	Using the connector Ideal Postcodes, the address is collected. By using a connector, the solution incorporates an endpoint that calls the API to bring data from an external source. Such an external source can be the Ideal Postcodes Connector. This connector queries the Ideal Postcodes database to find information. However, the solution can accommodate any other third-party software, this is one such software integration developed by FintechOS.
Property type	Option set	Mandatory	Choose between: Flat House Country.
City	Lookup	Mandatory	Insert the name of your city.
Street	Text	Mandatory	Insert the name of your street.
Nr	Number	Mandatory	Insert the number of the street.
Ap number	Number	Mandatory	Insert the number. This field is available only if you chose flat as property type.
Date you moved in	Date	Mandatory	Select a date that is not in the future.
Do you still live here?	Bool	Mandatory	If this is true, then the field below is not displayed.
Date you moved out	Date	Mandatory	Choose a date after the move in date.

NOTE
United Kingdom is the preselected value. You can modify it here Address Details.

Click Save to add this address to the list.

For each address, you have two options:

edit (modify the address)
remove (delete an address). This is executed using the script Server Automation Scripts and Libraries.

NOTE
For technical details about the buttons, see Address Details.

Click Continue once you have added all the addresses.

If you click Continue without an address inserted, the system informs you: Please provide your addresses for the past 5 years.

If you insert one or more addresses, but the oldest address doesn't cover the minimum five-year span, the system informs you: Please make sure you cover all the places you lived in the past 5 years.

If you inserted one or more addresses, but you didn't select a current address for any of them, the system informs you: Please review the addresses inputted and make sure you mark the one you are currently living in.

NOTE
For technical details about the warnings, see Address Details.

Income Details

Insert information about your income to determine your eligibility. The data is then taken to the Configuring the Business Formulas where it is used to determine if you qualify for the loan.

Field	Data Type	Mandatory	Description
Employment	Option set	Mandatory	Choose between: Employed Self-Employed. Depending on what you select here, different fields are displayed to match the selection.
For the option employed:
Employer name		Mandatory	Choose between: Creative/Specialist Driver Emergency Services Hm Forces Manager Nurse Office Staff/Clerical Other Professional Sales Assistant/Service Staff Sales Person Senior Executive Skilled Worker Teacher Unskilled Worker.
Job Title	Text	Mandatory	Insert the name.
Time employed at this job		Mandatory	Choose between: 1 month 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9 months 10 months 11 months.
Yearly income before tax	Number	Mandatory	Insert the amount.
Do you have any other incomes?	Bool		If true, a button will be made available (grayed out by default) named Add income. If you want to add additional income, a slider from the right side will appear with the following incomes in 2 categories.
For the option self-employed:
Your business role	Text	Mandatory	Insert the role you have.
Name of business	Text	Mandatory	Insert the name of the company/NGO.
Time employed at this job	Option set	Mandatory	Insert the number or years/months.
Net profit in most recent complete tax year	Text	Mandatory	Insert the profit after tax deduction for the last year.
Net profit in previous complete tax year	Text	Mandatory	Insert the profit after tax deduction for the previous year.
Do you have any other incomes?		Mandatory	Toggle the button if you do receive money from other sources. Then, click Add income to open the side panel on the left with the following fields.
Income type	Option set	N/A	Choose between: Overtime Allowances Commission Bonuses. Choose between: Pension Investments Maintenance Trust Funds.
Value	Number	N/A	Insert the income.
Frequency	Option set	N/A	Choose between: weekly monthly default yearly.

You can edit each income.

Click Continue.

Your Spendings

This screen collects the expenses you have to determine if you qualify for a loan.

Click Add spendings to open a side panel with the fields:

Field	Data Type	Mandatory	Description
Spending Type	Option set	Mandatory	Choose between: Overdraft Credit or store card Council Tax Ground rent Service charge.
Frequency	Option set	Mandatory	This field is displayed only for Council Tax Ground rent Service charge. Choose between: Annually Monthly Weekly.
Amount	Text	Mandatory	Insert the value in pounds.

Field

Data Type

Mandatory

Description

Spending Type

Option set

Mandatory

Choose between:

Overdraft
Credit or store card
Council Tax
Ground rent
Service charge.

Frequency

Option set

Mandatory

This field is displayed only for

Council Tax
Ground rent
Service charge.

Choose between:

Annually
Monthly
Weekly.

Amount

Text

Mandatory

Insert the value in pounds.

Click Save.

For each expense, you have two options:

edit (modify the expense)
remove (delete an expense).

Click Continue once you have added all the expenses.