Identification & Verification

Acceptable documentation

Two separate documents must be provided to verify the applicant’s name, residential address and date of birth.

Documents must be originals and can only be used once throughout the whole process; i.e. Only used once for either address verification or for identification.

All customers who are Non UK or Irish Nationals will be required to provide evidence of right to remain/reside in the UK. These customers must provide evidence of a ‘share code’ or permanent rights to reside.

In order to proceed, the applicant’s permanent right to reside in the UK must be confirmed and the customer must be living in the UK.

The following documents can be accepted:

• A share code detailing 'settled' or 'pre-settled' status.
• Passport with valid stamp for Indefinite/Right of Abode UK Residency.

For more information on Share Codes, please see gov.uk/view-prove-immigration-status.

 

Identification Documentation
Document	Identification	Address Verification
UK/Irish/EU/EEA/Switzerland Passport (Non UK/Irish/EEA Passports must include a valid UK Visa)	Yes	No
Full UK Driving Licence	Yes	Yes
EU/EEA/Switzerland Identity Card (Must show photograph and signature)	Yes	No
EU/EEA Driving Licence	Yes	No
Northern Ireland Voters Card	Yes	No
Local Authority Tax Bill	No	Yes
Utility Bill or a Certificate/Letter from a Supplier of Utilities* Excluding the following: ·         Mobile telephone bills ·         Broadband/Internet bills ·         Reminders/Arrears letters ·         Final/Closing bills	No	Yes
EU or UK Bank, Building Society, or Credit Union Statement * (Must show a minimum of 2 transactions within the last 3 months)**	No	Yes
UK Credit Card Statement * (Must have had transactions within the last 3 months)**	No	Yes
Mortgage Statement *	No	Yes
Firearms/Shotgun Certificate	Yes	No
UK Benefits/State Pension Notification Letter	Yes	Yes
Blue Disabled Driver's Pass (UK only)	Yes	No
HM Revenue & Customs Correspondence e.g. statement of account or correspondence relating to self-assessment	No	Yes
HM Revenue & Customs Tax Notification - Notice of Coding or Annual Statement – these cannot be used for ID if another HMRC correspondence has been used for address verification	Yes	No
Allocation of National Insurance Number from Job Centre Plus/Department of Work & Pensions Letter	No	Yes
Local Council Rent Card/Statement	No	Yes
Solicitors Correspondence	No	Yes
Young Scot Card – age restrictions apply – can only be used for applications for customers aged 18-26 years old	Yes	No

*A printed copy of an online statement can only be used as address verification with one of the following:

• UK/Irish/EU/EEA Passport
• UK Full Driving Licence
• HMRC Tax Notification (notice of coding or annual statement only and must be original document sent by post)

** One page of the statement will suffice.

Visa applicants

For visa applicants and foreign nationals please refer to foreign nationals criteria.

Please note: Any customer applying for a BTL mortgage, who is residing in the UK on a Visa, will not be eligible.

How to certify a document

All ID documents must have the following present to satisfy certification requirements. This must be stamped by the FCA Registered Mortgage Intermediary (intermediaries admin included):

• Company Name (This can either form part of the company stamp or can be handwritten)
• Name of Certifier
• Job title of the Certifier
• Signature of the certifier
• Date of the certification (this must be no more than 3 months old from the date the application is submitted)
• Written confirmation from the certifier stating "I hereby certify that this is a true and correct copy of the original document as sighted by me" (suggested text / variations are acceptable).

IF NOT able to certify by an FCA Registered mortgage intermediary or intermediaries admin, the customer can take their document to one of the below to get the document certified:

TSB branch staff member, UK/EU Lawyer, Notary, UK/EU Barrister or an UK/EU Accountant who is a member of a recognised professional body AND must include all the points stated above.

Certified copies from the post office are not acceptable.