The validation library, in plain English.

Documents required by the case type that haven't been uploaded yet.

Case fields that must be present before the file can be reviewed.

Documents older than the acceptable window for the case type.

Applicant name differing between ID, payslips, bank statements and case data.

Current or previous address inconsistencies across proof-of-address evidence.

Employer name and status across payslips, contracts and bank credits.

DOB matching across ID and supporting documents.

Net pay from payslips reconciled against credits in bank statements.

Direction and stability of income over the evidenced period.

Variable pay identified and flagged for adviser interpretation.

SA302 and Tax Year Overview cross-check for self-employed applicants.

Salary + dividend reconciliation for director applicants.

Whether the evidenced deposit source is consistent with what the adviser recorded.

Movement of deposit funds through the evidenced accounts.

Gift letter presence and consistency with the source of funds.

Unexplained credits, large transfers, round-number top-ups near application date.

Coverage of the required period without gaps.

Recurring outgoings that don't appear in disclosed commitments.

Signs of financial stress the adviser should note.

Presence and in-date status of acceptable ID.

Acceptable proof of address within the case-type window.

Portfolio schedule cross-check against evidenced properties.

Additional checks for non-standard income or credit shapes.