It wasn't so long ago that mortgage lenders would accept an accountant's reference signed by a qualified accountant. Most banks even provided a list of the qualifications they would accept as signatories. But not any more apparently. It seems that several times a week I am being asked to obtain SA302s for clients to support mortgage applications (not the same clients, that is!). It must be driving HMRC nuts - sooner or later they are going to produce these automatically for online tax filings. Last week a client asked me to email a copy of his company's signed 2012 accounts direct to his mortgage adviser, which I did. We keep a PDF copy of all signed accounts, so I had an electronic copy of the original with both the client's and our signatures on it. Just has an email asking me to send the bank "the original signed paper copy"! Well, sorry but that's my file copy - but you can have a new signed copy if you insist - if you really trust us so little that a PDF isn't enough. I'm tempted just to send a file box full of the client's records to the bank and suggest that is they distrust us so much perhaps they ought to re-prepare the accounts from scratch so they can satisfy themselves that the figures are correct! Am I being paranoid, or are the banks just desperately looking for a reason to either turn down every application, or at least delay them as long as possible?