Identification & Verification

When unable to complete electronic verification, we must identify the client from documents which confirm their identity and where they live.
FCA registered firms must ensure that documentation relied upon to verify aspects of a client's identity is copied and retained.
We reserve the right to request copies of identity documents seen for testing purposes.

Acceptable documentation

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

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

For Non UK/EEA nationals the only acceptable identification documents are passport with valid visa or biometric residence permit.

Identification Documentation
Document	Identification	Address Verification
EU/EEA Driving Licence	Yes	No
EU/EEA Identity Card (Must show photograph and signature)	Yes	No
Firearms/Shotgun Certificate	Yes	No
Northern Ireland Voters Card	Yes	No
UK/EU/EEA Passport (NonUK/EEA Passports must include a valid UK Visa)	Yes	No
UK Driving Licence	Yes	Yes
Biometric Residence Permit	Yes	No
Bank, Building Society or Credit Union Statement	No	Yes
Benefits/State Pension Notification Letter	Yes	Yes
Blue Disabled Driver's Pass (UK only)	Yes	No
HM Revenue & Customs Correspondence	No	Yes
HM Revenue & Customs Tax Notification	Yes	Yes
Allocation of National Insurance Number from Job Centre Plus/Department of Work & Pensions Letter	No	Yes
Local Authority Tax Bill	No	Yes
Local Council Rent Card/Statement	No	Yes
Mortgage Statement	No	Yes
Solicitors Correspondence	No	Yes
Utility Bill/ Utility Statement or a certificate/Letter from a Supplier of Utilities (excluding water bills)	No	Yes
Young Scot Card	Yes	No

How to certify a document

All ID documents must have the following present to satisfy certification requirements. This must be recorded by the FCA Registered Mortgage Intermediary:

Name of the certifier;
Signature of the certifier;
Date of certification, which must not be older than 3 months at the time of the application and;
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).