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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

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 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.
  • A Biometric Residency Permit showing 'indefinite' rights to remain.
  • A letter from the Home Office confirming the customer's 'indefinite' right to remain in the UK.

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

VISA applicants: -

Any applicants applying for a residential mortgage, who is residing in the UK on a Visa, will be referred to Underwriters for their consideration (note: max 80% LTV for visa applicants).

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

Identification Documentation
Document Identification Address Verification

UK/EU/EEA/Switzerland Passport (Non UK/EEA Passports must include a valid UK Visa)

Yes

No

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

Biometric Residence Permit (must be valid for a minimum of 12 months)

Yes

No

EU or UK Bank, Building Society, or Credit Union Statement *

No

Yes

UK Credit Card Statement *

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 Authority Tax Bill

No

Yes

Local Council Rent Card/Statement

No

Yes

Solicitors Correspondence

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

·         Water bills 

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/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).  

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;
  • Title of the certifier - title is defined as describing someone’s position or job;
  • 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).