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 identify is copied and retained.
  • We reserve the right to request copies of identity documents seen for testing purposes.

 

Acceptable documentation

For face to face verification, one document from the Single Identification list can be used to verify the client's name together with either their date of birth or residential address.

Where the client has not been physically present for identification purposes, 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.

Single Identification Documentation
DocumentIdentificationAddress Verification
EU/EEA Driving LicenceYesNo
EU/EEA Identity CardYesNo
Firearms/Shotgun CertificateYesNo
Northern Ireland Voters CardYesNo
UK and Non UK PassportYesNo
UK Driving LicenceYesNo
Non Single Identification Documentation
DocumentIdentificationAddress Verification
Bank, Building Society or Credit Union StatementNoYes
Benefits/State Pension Notification LetterYesYes
Blue Disabled Driver's PassYesNo
HM Revenue & Customs CorrespondenceNoYes
HM Revenue & Customs Tax NotificationYesYes
Local Authority Tax BillNoYes
Local Council Rent Card/StatementNoYes
Mortgage StatementNoYes
Record of Home VisitNoNo
Solicitors CorrespondenceNoYes
Utility Bill/ Utility Statement or a certificate/Letter from a Supplier of UtilitiesNoYes
Young Scot CardYesNo

 

 

How to certify a document

If we ask you to provide ID documents, you must ensure that the following is 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).