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Question: 3.1.5. What other documents are acceptable for verifying identity?
| Lender | Answer |
|---|---|
| Accord Buy to Let |
List A - Full Driving Licence - either photocard version or old style. List B - None |
| Accord Mortgages Ltd |
List A * Full Driving Licence - either photocard version or old style * Residence Permit issued to EU National on sight of own country passport * EU member state ID card * Foreign National ID card (on basis that indefinite leave to remain has been granted). |
| Adam & Company |
List A - None List B - None |
| Adam & Company International |
List A - None List B - None |
| Ahli United Bank (UK) plc | Please refer to Central Administration Unit |
| Aldermore Bank PLC | None. |
| Allied Irish Bank (GB), a trading name of AIB Group (UK) |
Full UK/EC driving licence Employers ID card with photo and signature, Birth certificate, Marriage certificate and Passport |
| April Mortgages |
LIST A 1) Signed Employers Photo ID card, provided the employer is known to the conveyancer 2) Debit/cheque guarantee card (UK issued) together with original account statement, less than 3 months old. LIST B 1) Inland Revenue Notice of Tax Code (less than 3 months old) 2) Residence Permit issued by the Home Office to EU Nationals 3) Subcontractors Tax Certificate (must be accompanied by an IR Notice of Assessment) |
| Atom Bank plc |
List A Electronic AML verification printout from a Credit Reference Agency National Identity Card Identity Card issued by the Electoral Office for Northern Ireland List B Valid (old style) full UK driving licence Recent evidence of entitlement to a state or local authority- funded benefit (including housing benefit and council tax benefit), tax credit, pension, educational or other grant Instrument of a court appointment |
| Aviva Equity Release UK Ltd | Please contact the lender. |
| Bank of China | List A – None and List B – None. |
| Bank of Ireland (UK) plc | None. |
| Bank of Ireland as Bank of Ireland Mortgages | None. |
| Bank of Scotland Beginning A |
List A Inland Revenue Tax Code Notification Building Industry Sub-Contractor's Certificate (issued by the Inland Revenue) Residence Permit (issued by the Home Office to EU Nationals) Benefits Agency Benefits book or original notification letter from the Benefits Agency confirming right to benefits. List B Employers Identity Card Signed National Identity Card (EU) Birth Certificate |
| Bank of Scotland Beginning O |
List A Inland Revenue Tax Code Notification Building Industry Sub-Contractor's Certificate (issued by the Inalnd Revenue) Residence Permit (issued by the Home Office to EU Nationals) Benefits Agency Benefit book or original notification letter from the Benefits agency confirming right to benefits List B Employers Identity Card Signed National Identity Card (EU) Birth Certificate |
| Bank of Scotland Private Banking | |
| Barclays Bank UK PLC |
List B • Full UK Paper Driving Licence showing the client's current UK address • Government issued Benefit Entitlement Letter, less than 12 months old and confirming, at the time of issue, that a benefit was payable or is due to be paid • Letter from His Majesty's Revenue & Customs (HMRC), less than 12 months old and showing either a full national insurance number or unique tax reference code |
| Barnsley Building Soc, a trading name Yorkshire Building Soc |
List A - Full Driving Licence - either photocard version or old style. - Residence Permit issued to EU National on sight of own country passport - EU member state ID card - Foreign National ID card(on basis that indefinite leave to remain has been granted) List B - None. |
| Better HomeOwnership (Mortgages) |
List A -Passport - Full Driving Licence - either photocard version or old style - Residence Permit issued to EU National on sight of own country passport - EU member state ID card - Foreign National ID card (on basis that indefinite leave to remain has been granted). |
| Birmingham Bank |
Passport Drivers Licence ID card Birth certificate EEA member state ID card Photo registration card CIS4 for self employed members of the construction industry Home Office residence permit |
| Birmingham Midshires |
Contact Completions Team at office issuing mortgage instructions. See Offer for contact details. |
| Bluestone Mortgages | None. |
| Bradford & Bingley Limited | We do not need to be notified |
| Britannia, a trading name of The Co-operative Bank plc |
List A: Current Valid Passport (with English translation), Current full UK driving licence(old paper style), current full or provisional photocard driving licence (no more than 10 years old), Notification letter from the Benefits Agency/other Government Agency confirming the right to benefits/state pension. (issued within the last 6 months or valied for current year), HMRC document such as tax notification, tax assessment, statement of account; notice of coding, NI contributions bill (P45s and P60s are not acceptable), EU/EEA member state ID photo card. (This does not relate to ID cards issued by individual member states within the EU/EEA eg Portugese), Northern Ireland Electoral ID card, National ID card for non EEA foreign nationals. (eg French & Portugese ID cards etc. are not acceptable), Shotgun Licence/Firearms Certificate, Instruction from a UK Court appointing an individual (Court of Protection or Grant of Probate only). List B: Current UK/EU photocard driving licence (No more than 10 yrs old), Current full UK driving licence (old paper style), recent utility bill not more than 6 months old, Statement or letter from Bank/Building Society/Credit Card showing current address (issued within the last 6 months), Mortgage statement or letter from a recognised lender (statement valid for current year or letter issued within the last 6 months), Life insurance certificate/Pension of investment account statement (indicating that an account, investment of life insurance relationship exists) (Statement valid for current year or letter issued within last 6 months). Local authority council tax bill. (Issued within the last 6 months or valid for current year), Tenancy agreement from a housing association, local authority or public landlord (not a private arrangement), Notification letter from the Benefits Agency/other Government Agency confirming the right to benefits/state pension. (Issued within the last 6 months or valid for current year), HMRC document such as tax notification, tax assessment, statement of account, notice of coding, NI contributions bill (P45s and P60s are not acceptable), Current TC licence (valid for current year), Vehicle tax renewal document (issued within the last 6 months), Solicitors letter confirming recent house purchase or land registry confirmation, Letter from nursing home/care home confirming residency (issued within the last 6 months). |
| Buckinghamshire Building Society |
If you are dealing face to face, you need to provide one item from list A (photographic) OR one item from list B and one item from list C. If the documentation is sent by post, then two items will be required, one of which must be from list A or B. LIST A - Evidence of Identity (Government-issued document with photograph) incorporating full name, either residential address or date of birth, such as:- ï?? Valid signed passport ï?? Valid photocard Driving Licence (full or provisional) ï?? National Identity card (non-UK nationals) ï?? Firearms Certificate or shotgun licence ï?? Identity card issued for voters in Northern Ireland LIST B Evidence of Identity (Government-issued document without photograph) incorporating full name, either residential address or date of birth, such as:- ï?? Valid old style full driving licence ï?? Recent evidence of entitlement to a state or local authority-funded benefit, e.g. i) Pink card BR464; ii) Original notification letter from the Benefits Agency confirming the right to benefits ï?? Inland Revenue Tax Notification (including Coding Notices/Self Assessment Statement of Account) LIST C Evidence of address and other acceptable identity documents: ï?? Current council tax demand letter or statement ï?? Recent evidence of Recent Utility Bill or Certification from a supplier of utilities confirming arrangements to pay for services on pre-payment terms. We cannot accept mobile phone or internet bills ï?? Pink card BR464 (if not used for List B), Original notification letter from the Benefits Agency confirming the right to benefits (if not used for List B) ï?? Current Bank or Building Society passbook or recent statement containing current address ï?? Most recent original mortgage statement from a recognised lender. ï?? Local Council rent card or tenancy agreement ï?? Recent Credit Card statement (Visa/Mastercard/American Express) ï?? Recent instrument of a court appointment |
| Chelsea Building Society (a trading name of Yorkshire BS) |
List A: - Full Driving Licence - either photocard version or old style. - Residence Permit issued to EU National on sight of own country passport. - EU member state ID card. Foreign National ID card (on basis that indefinite leave to remain has been granted). |
| CHL Mortgages |
List A: • Certified copy of unexpired signed Passport and, for non-British Nationals, with valid proof of indefinite rights to remain • Certified copy of the front AND back of a current UK photo-card Driving Licence (full or provisional) • Certified copy of State identity, residence or permit Card • Certified copy of Firearms Certificate or Shotgun Licence • Certified copy of identity card issued by the Electoral Office for Northern Ireland. List B: • Certified copy of a current full UK Driving Licence (old style paper version) – old-style provisional Driving Licences are not acceptable • Certified copy of recent evidence of entitlement to a state or local authority-funded benefit, tax credit, pension, educational or other grant • Certified copy of current year council tax bill • Certified copy of current (up to 3 months old) bank statements, building society statements (including savings, investment and mortgage accounts), credit/debit card statements, or mortgage statements issued by a regulated financial sector firm in the UK or comparable jurisdiction (but not ones printed from the internet). • Certified copy of Utility bills – gas, water, electricity (up to 3 months old) (but not ones printed off the internet) – mobile phone bills are not acceptable • Certified copy of Inland Revenue self-assessment or tax demand |
| Clydesdale Bank plc |
List A - Single document identification: A government issued document which incorporates the customer's full name and photograph, and either the residential address or date of birth:- current full valid signed passport, current Northern Ireland Voter's card, current UK photo-card Driving Licence, current Firearms certificate or shotgun certificate issed by UK Police Force. List B - Dual document identification: A government issued document (without a photograph) which incorporates the customers full name:- current full UK Driving Licence (old version), recent evidence of entitlement to a state or local authority funded benefit e.g. pension book/ DSS/ Benefits Agency notification letter/ HM Revenue & Customs Tax notification/ Notice of Tax coding/ Self Assesment return, National insurance card (accompanied by most recent P60 or payslip detailing NI number and name) Armed Forces ID Card, Police Warrent Card, Blue parking card for people with disabilities. |
| Co-operative Bank plc | All acceptable ID documents are listed in the Identity Requirements document to be found at intermediary.co-operativebank.co.uk/help-and-calculators/literature. |
| Coutts |
List A - None List B - None |
| Coutts Finance Co |
List A - None List B - None |
| Coventry Building Society |
List A: Pension Book. List B: None. |
| Cynergy Bank | None. |
| Danske Bank |
List A: • Valid Full EU Photo-Card Driving Licence • Valid Full old style UK Driving Licence • Valid EU/EEA Member State National Identity Card List B: • Blue parking card for people with disabilities • Biometric Residence Permit issued by the Home Office • HM Revenue & Customs tax notifications/tax documentation less than three months old • Evidence of entitlement to state funded benefit, state pension or pension credit. Please contact Danske Bank for further guidance on aml-compliance@danskebank.co.uk |
| Darlington Building Society | None |
| DB UK Bank Ltd |
List A Government issues documents with a photograph, National ID card (issued by EEA member state of Switzerland) List B Government issued documents without a photographic incorporating the applicants full name: Valid (old style) full UK driving licence State pension or benefit book or confirmatory letter HM Revenue and Customs Tax Notification Resident permit issued to EU Nationals by the Home Office National Insurance card TV Licence Vehicle registration document Official confirmation of entitlement to state or local authority funded housing benefit and council tax benefit, tax credit, educational or other grants |
| Dudley Building Society | Please refer to the Dudley Building Society website for details of current, acceptable verification documents (in the Savings tab). |
| Ecology Building Society |
List A - Recognised Employer ID card bearing photograph and signature List B - HM Revenue & Customs tax notification / Letter issued by the Benefits Agency |
| Family Building Soc (a trading name of National Counties BS) | List B - Original Bank Statement (not printed from the internet) less than 3 months old, bearing the borrowers name and address. |
| First Direct | None |
| Fleet Mortgages | No other documents are acceptable. We also expect the documents which you have obtained to be retained by you and sent to us along with the certificate of title if we request copies |
| Foundation Home Loans |
Documents additional to List A: EU Member State National Identity Card; Foreign National ID card on basis that indefinite leave to remain has been granted or Identity Card issued by Electoral Office for Northern Ireland. Documents additional to List B: Valid old style full UK driving licence; and/or Recent evidence of entitlement to a state or local authority funded benefit, tax credit or pension; Bank Statement or Credit Card Statement from a regulated UK firm (Internet copies are not acceptable). |
| Furness Building Society | None |
| GE Money Home Lending Ltd | GE Money Home Lending has withdrawn from the UK mortgage market. |
| Gen H | You must verify your client(s) identity and retain a certified copy of any documentation which you have relied on. |
| Godiva Mortgages Ltd |
List A: Pension Book. List B: None. |
| Habito | None |
| Halifax |
List A - employer's identity card with the signatory's photograph and signature (provided you know the employer). List B - employer's identity card with signatory's photograph and signature (if you do not know the employer) - current UK driving licence (full old paper version) - Building Industry Sub-Contractor's Certificate (issued by Inland Revenue) - Benefits agency Benefit book or original notification letter from the Benefits Agency confirming rights to benefits - Inland Revenue Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) - Local council rent card or tenancy agreement. |
| Halifax Loans Ltd |
List A - employer's identity card with the signatory's photograph and signature(provided you know the employer). List B - employer's identity card with signatory's photograph and signiture(if you do not know the employer) - current UK driving licence(full old paper version) - Building Industry Sub-Contractor's Certificate(issued by the Inland Revenue) - Benefits agency benefit book or original notification letter from the Benefits agency confirming rights to benefits - Inland Revenue Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) - Local council rent card or tenancy agreement. |
| Hampden & Co. plc |
List A - None List B - None |
| Handelsbanken | List A ? national or employers identity card with signature and photograph, full UK driving licence. |
| Harpenden Building Society |
Any 1 from list A (Name ID) plus any one from list B (Address ID) List A - Valid FULL UK driving licence (old style, paper version)*** / Valid UK photo-card driving licence (Full or Provisional)***/ Valid passport / Current credit or Debit card statement** (but not one printed from the internet) / Valid EU state ID card / Firearms certificate or shotgun licence / HMRC Notice of Coding*/ Identity card issued by Electoral Office for Northern Ireland / Valid State Pension letter* / UK blue disabled badge (with photo). List B - Council Tax – Demand letter or statement*/ Current bank statement** (but not one printed from the internet) / Educational grant or other grant* / Housing benefit notification* / Mortgage statement* / FULL UK driving licence (old style, paper version)*** / Valid UK photo-card driving licence (Full or Provisional)*** * These documents must be dated in the past 12 months ** These documents must be dated in the past 3 months *** This document can be used to verify either a person’s identity or address, but not both |
| Hinckley and Rugby Building Society | None. |
| Hodge |
• Current signed UK passport • Current signed full UK Driving License* • HM Revenue and Customs Tax Notification (dated in the last 12 months)* • EU member state ID card*/ EU passport • Non EU passport and valid Visa State pension or benefits document or notification from the Department of Work and Pensions (DWP) confirming the right to benefits (under 12 months old)* * those items marked with an asterisk can be used for either name or address verification but not for both List B: • Gas and electric bill (under 3 months old) • Water bill (under 12 months old) • Local Authority tax bill (under 12 months old) • Letter from a Government Department about your personal affairs (under 12 months old) • Solicitors letter confirming completion of house purchase or land registration together with proof of previous address (under 6 months old) • Mortgage statement (under 12 months old) • Local Authority or Housing Association tenancy agreement (under 12 months old) • Official letters from a care or nursing home confirming residence (under 12 months old) • Bank, Building Society (savings) or credit card statement (under 3 months old and not online print out) |
| Hodge Equity Release |
Current signed UK passport Current signed full UK Driving License* HM Revenue and Customs Tax Notification (dated in the last 12 months)* EU member state ID card*/ EU passport Non EU passport and valid Visa State pension or benefitS document or notification from the Department of Work and Pensions (DWP) confirming the right to benefits (under 12 months old)* * those items marked with an asterisk can be used for either name or address verification but not for both. List B: Gas and electric bill (under 3 months old) Water bill (under 12 months old) Local Authority tax bill (under 12 months old) Letter from a Government Department about your personal affairs (under 12 months old) Solicitor’s letter confirming completion of house purchase or land registration together with proof of previous address (under 6 months old) Mortgage Statement (under 12 months old) Local Authority or Housing Association tenancy agreement (under 12 months old) Official letters from a care or nursing home confirming residence (under 12 months old) Bank, Building Society (savings) or credit card statement (under 3 months old and not online print out) |
| Holmesdale Building Society | current signed passport / UK driving licence old or new style both parts/ DSS Benefit book/ inland revenue letter/ bank statements + other forms of ID refer to lender. |
| HSBC UK Bank plc | None |
| Intelligent Finance |
List A - employer?s identity card with the signatory?s photograph and signature (provided you know the employer). List B - employer?s identity card with signatory?s photograph and signature (if you do not know the employer) - current UK driving licence (full old paper version) - Self-employed in the Construction Industry - tax exemption certificate with photograph of the holder (issued by the Inland Revenue, forms CIS4, CIS5 or CIS6) - Benefits Agency Benefit book or original notification letter from the Benefits Agency confirming right to benefits - Inland Revenue Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) - Local council rent card or tenancy agreement. |
| Investec Bank plc |
Additional List A items: 1. a valid national identity card (EEA country OR biometric/smart card type); 2. a valid UK residence permit/card; and 3. HMRC Tax Notification (most recent). Additional List B items: 1. HMRC Tax Assessment (most recent); 2. Land Registry Report – For address; 3. Court Order / Court approved documents; and 4. Council & Housing Association tenancy agreement. |
| ITL Mortgages |
List A - Pension Book List B - None. |
| JPMorgan Chase Bank, N.A. | See insert with Mortgage Instructions. |
| Kensington Mortgage Company Ltd |
Documents additional to List A: An employer's identity card bearing a photograph and signature; UK/Foreign National Identity Card Documents additional to List B: National Insurance Card; a current Building Society passbook; or a Child Benefit Book. |
| Kent Reliance (a trading name of OneSavings Bank plc) | |
| Keystone Property Finance | We do not supply a prescriptive list. You should ensure that you are happy that you have satisfied your obligations for the verification and identity of the Borrower/signatory and keep a certified copy of any documentation upon which you have relied on your file |
| Landbay Partners Limited | This is detailed in our instructions to you. You need to ensure that you are satisfied that you have discharged your obligations for the verification and identity of the borrower/signatory and keep a certified copy of the documentation upon which you have relied within your file which we may inspect. |
| Landmark Mortgages Limited | None |
| Leeds Building Society |
We require either one document from the primary list or two documents from the secondary list. Primary These should show the customers full name and photograph and either the residential address or date of birth (the bottom three will not have a photograph): • Current UK/EU passport or EEA Passport (Swiss Passport also accepted) • Current UK driving licence (full or provisional) bearing an up to date photograph • Biometric Residence Cards (for permanent residence) issued by HM Government** • Valid EU or EEA Member State Identity Card (Swiss Member Card also accepted) • Identity Card issued by the Electoral Office for Northern Ireland (i.e. current Northern Ireland Voter’s Card) • Valid Blue Disabled Driver's Pass issued by a UK Local Authority (Council) • Valid Shotgun Licence or Firearms Certificate issued by your local police force **N.B. Only the Biometric Residence Cards are accepted - the Biometric Residence Permits (i.e. 'Short Stay' cards) are not accepted. Secondary These should show the customers full name and either the residential address or date of birth: • UK (full only) driving licence bearing current address (paper version issued pre 1998) • UK issued Birth Certificate (for under 18s only and in respect of savings applications only) • Benefits Agency letter of notification confirming rights to state benefits (including DWP, Job Centre Plus, State Pension, Local Authority Housing) • HMRC Tax Notification correspondence (including tax assessment; PAYE coding) please note a P45 or P60 is not acceptable • A Credit/Debit Card/Savings/Mortgage Statement from a regulated financial sector firm in the UK or EU • A UK Local Authority Council Tax bill • A utility bill or prepayment certificate • Instrument of a UK Court Appointment • Initial deposit by personal cheque (drawn on a regulated UK bank account in the customer’s name) • Solicitor written confirmation of house move Address We require one of the following documents which must show the borrower’s full residential address: • Current UK driving licence showing current address (non-photo version) • Current UK (full or provisional) driving licence bearing an up to date photograph. • Council Local authority tax bill (valid for current year) • Benefit book or original letter from the Benefits Agency confirming rights to benefit or state pension • HMRC tax notification (tax assessment, statement of account or notice of coding; not P45 or P60) • A utility bill or prepayment certificate issued within the last 3 months (not acceptable if printed from the Internet) • A mortgage statement from a recognised lender (issued within the last 12 months) • A grant letter or student loan agreement from a Local Education Authority • Local Council rent card or tenancy agreement (documentation from a private landlord is not acceptable) • Bank or building society statement (issued within the last 3 months – it must be a postal statement) • A Credit/Debit Card Statement issued to you by a regulated financial sector firm in the UK (issued within the last 3 months, not acceptable if printed from the internet) • Solicitor's letter confirming house move within the last 3 months |
| Legal & General Home Finance Ltd |
Additional list B: Latest pension statement; provided always at least one of the documents bears an authenticated signature of the borrower |
| LendInvest |
List A - Identity • Driving licence:Full or Provisional UK or Northern Ireland driving licence. Must be current photocard OR full old-style paper licence • Passport: Must be current and valid (signed). If sending a certified copy, please send the personal details page - the one with your photo. List B- Address • Driving licence: Full or Provisional UK or Northern Ireland driving licence. Must be current photocard OR full old-style paper licence. Not acceptable as proof of address if already used for identity. • Confirmation of entitlement to state or local authority benefits (including pension, tax credit, child benefit, housing benefit, educational grants, winter fuel bill etc): Must be dated within the last 6 months. • HMRC tax notifications valid for the current tax year or previous tax year: Must be dated within the last 12 months. A P45 or P60 is not acceptable. • UK bank, Building Society or Credit Card Statement: Must be dated within the last 3 months - online statements are acceptable for bank statements only and at underwriter’s discretion. All statements must confirm your sort code, account number and residential address. • Recent mortgage statement from a recognised lender: Must be dated within the last 12 months • Gas, electric, landline telephone or water bill: Must be dated within the last 6 months. • Local Authority council tax demand valid for the current year: Must be dated within the last 12 months |
| LiveMore Capital | Only documents listed in Section 3.1.5 are accepted |
| Lloyds Bank plc pre fixed 20/40 | List A - employer's identity card with the signatory's photgraph and signature (provided you know the employer). List B - employer's identity card with signatory's photograph and signature (if you do not know the employer) - current UK driving licence (full old paper version) - Building Industry Sub-Contractor's Certificate (issued by Inland Revenue) - Benefits agency Benefit book or original notification letter from the Benefits Agency confirming rights to benefits - Inland Revenue Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) - Local council rent card or tenancy agreement. |
| Lloyds Bank plc pre fixed 50/30/77 |
Current full uk driving licence; Current benefit payment book or original letter from Benefits Agency confirming the right to benefit for the current period; Building Industry Sub Contractors Certificate. |
| Lloyds TSB Scotland plc |
List A: Current full UK driving licence Current Benefit payment book or original letter from Benefits Agency confirming the right to benefit for the current period Building industry sub contractors certificate |
| M&S Bank | none |
| Magellan Homeloans | All acceptable ID documents are listed in the Magellan Homeloans application form |
| Manchester Building Society | None. |
| Market Harborough Building Society |
Identification: Full current passport EEA member state ID card with photograph EE member state military personnel/government official documentation UK photo card driving licence (full or provisional) Full UK driving licence paper version (not provisional) Firearms Certificate/Shotgun Certificate ? Address:? Gas, electricity or telephone bill (excluding mobile phones)* UK based bank, building society or credit card statement* Local Council, Housing Association or Tenancy Agreement Mortgage statement (not MHBS) or water utility bill** Council tax bill or TV licence renewal notification** Notification letter from a Government Department e.g. DWP, the Benefits Agency, etc.** HMRC letter e.g. Tax notice of coding** * less than 3 months old ** less than 12 months old |
| Masthaven Bank |
If you are unable to meet the requirements of 3.1.5, please contact: Mortgages Team, Masthaven Bank Limited, 15-18 Rathbone Place, London, W1T 1HU. Telephone: 0207 036 2020 |
| Metro Bank plc |
Proof of identity Acceptable photographic identity for UK nationals: • Valid UK Passport* with signature • Unexpired UK Full Photo card Driving Licence with signature (must have current residential address) • Unexpired UK Provisional Photo card Driving Licence with signature (must have current residential address) • Unexpired UK firearms certificate or shotgun licence • Unexpired UK Blue Disabled Drivers Pass (badge) Acceptable non-photographic identity for UK nationals • Unexpired UK Paper Driving Licence (non-photo) with signature Acceptable photographic identity for non UK nationals: • Valid passport* with current Visa (with at least six months left on it) • Unexpired Biometric Resident Permit (Both sides of Biometric Resident permit required) • Unexpired EU / EEA / Swiss Driving Licence with photograph and signature** • Unexpired EU / EEA / Swiss National ID card with signature and photograph** * Valid Passport means in date, undamaged and machine readable - Unfortunately we are unable to accept handwritten passports. **Must be issued by a member state of the EU/EEA Proof of address • Unexpired UK Full Photo card Driving Licence with signature • Unexpired UK Provisional Photo card Driving Licence with signature • Unexpired UK Paper Driving Licence (non-photo) with signature • Council tax demand letter or statement (valid for the current year / less than 12 months old) • Inland Revenue/ HMRC correspondence which includes the 10 digit tax reference or NI number dated within the last six months. P45 or P60 documents are not accepted • UK benefits / universal credit statement / state pension notification letter dated within the last 12 months or current benefit/pension period. This must be from an official source (i.e. the Department of Work and Pensions (DWP) or Job Centre Plus) confirming the rights to the benefit • Local council rent card/statement dated within the last 3 months. The rent card/statement must be issued by the local council authority and include the customer’s name and residential address. • Bank, Building Society, Credit Union statement**, dated within the last 3 months. If these are branch printed copies, bank stamp must be included. Online bank statements are not accepted • Utility bills (gas, electricity, water, and landline telephone) dated within the last 3 months* • Solicitor’s correspondence confirming house purchase in the last 3 months and dated within that period • Unexpired EU / EEA / Swiss Driving licence with photograph and signature*** *Mobile phone bills and bill from broadband or internet providers are not acceptable **Acceptable statements are bank account, credit card and mortgage statements only ***Must be issued by a member state of the EU/EEA Certifier requirements Identification and Proof of Address documents will need to be certified by one of the following professionals: • Metro Bank employee • Bank or building society official • Councillor • Minister of Religion • Teacher or lecturer • Dentist • The Post Office • Lawyer, notary, barrister, accountant or mortgage broker who is a member of a recognized professional body* • Consulate, embassy or high commission employee of the country of issuance (acting in their official capacity) Please note, an approved person cannot provide certification services if they have a personal relationship with the customer/prospective customer due to the potential conflict of interest. As such, Metro Bank will not accept certification in cases where the approved person is either: (i) related to the customer, (ii) living at the same address as the customer, (iii) in a relationship with the customer, or (iv) individually listed as a KAP of the customer (e.g. a beneficial owner, director, trustee, etc.) * The certifier must be an approved individual. The Bank cannot accept certification from employees of such entities who are not approved. Please note in some cases where the certifier cannot be verified via online databases, we may require further information. Certification requirements All pages of provided documents must be certified. All ID documents must be on separate pages and certified individually. All Identification and Proof of Address(s) needs to be certified with the following: ‘I certify that this is a true copy of the original document.’ If the identification or Proof of Address has a photo, the document needs to be certified with the following: ‘I certify that this is a true copy of the original document and true likeness to the applicant.’ The certification should be as follows: • That the document is a true copy of the original • Date of certification, which must not be older than three months at the time of application being submitted • Name of certifier and firm • Job title of the certifier • Signature of the certifier • Certification must be on all pages When the Post Office has certified documents, the following wording must be used: • The Post Office Identity Document Checking Service form should be complete with the customer details and stamped and signed by the post office certifier. • Each document should also be stamped and certified as a true likeness: ‘I certify that each photocopy is a true likeness of the original’. |
| ModaMortgages |
Refer to Anti Money Laundering Guidelines for certification requirements and acceptable documents at modamortgages.co.uk/intermediaries/documents |
| Molo Finance | None |
| Monmouthshire Building Society |
Contact: Lending Operations Department Monmouthshire Building Society Monmouthshire House John Frost Square Newport NP20 1PX |
| Mortgage Agency Services |
Full Passport or Photocard Driving Licence List B - Confirmation from an electoral register search that a person of that name lives at that address, recent Utility bill (issued within the last 6 months, mobile phone bills are not acceptable), Most recent Bank/Building Society or credit union statement, letter or passbook containing current address (issued within the last 6 months, internet statement are not acceptable), Most recent Mortgage statement from a recognised lender (issued within the last 6 months or valid for the current year), Benefits book or most recent notification from the Benefits Agecny confirming the right to benefits (issued within the last 6 months or valid for the current year), current UK full driving licence (old paper style), current UK full or provisional photocard driving licence, Local Authority tax bill (issued within the last 6 months or valid for the current year), Local Council tenancy agreement, Most recent HMRC tax notification (issued within the last 6 months or valid for the current year - SA302, P60, P45 not acceptable. |
| Mortgage Express |
List A Police ID card. Employer's ID card with photograph. A current Building Society passbook. List B Most recent bank statement. TESSA maturity certificate or similar. Benefit or pensions book |
| Mortgage Express No 2 | |
| MPowered Mortgages | We do not supply a prescriptive list. You should ensure that you are happy that you have satisfied your obligations for the verification and identity of the Borrower/signatory and keep a certified copy of any documentation upon which you have relied on your file. |
| National Counties Building Society | List B - Original Bank Statement (not printed from the internet) less than 3 months old, bearing the borrowers name and address. |
| National Westminster Bank plc |
UK driving licence - old style, Inland Revenue Tax notification and Construction Industry tax exemption certificate issued by the Inland Revenue. |
| Nationwide Building Society |
LIST A 1) Signed Employers Photo ID card, provided the employer is known to the conveyancer 2) Debit/cheque guarantee card (UK issued) together with original account statement, less than 3 months old. LIST B 1) Inland Revenue Notice of Tax Code (less than 3 months old) 2) Residence Permit issued by the Home Office to EU Nationals 3) Subcontractors Tax Certificate (must be accompanied by an IR Notice of Assessment) |
| Nedbank Private Wealth Ltd | List A - a valid full passport or a valid HM Forces identity card with the signatory's photograph or a valid UK Photo-card driving licence or any other document listed in the additional list A in part 2. List B, a cheque guarantee card, credit card (bearing the Mastercard or Visa logo), American Express or Diners Club card, debit or multifunction card (bearing the Switch or Delta logo) issued in the UK with an original account statement less than 3 months old; or a firearm and shotgun certificate or a receipted utility bill less than 3 months old or a council tax bill less than 3 months old or a council rent book showing the rent paid for the last 3 months or a mortgage statement from another lender for the mortgage accounting year just ended or any other document listed in the additional list B in part 2. |
| New Street Mortgages |
Documents additional to List A: An employers identity card bearing a photograph and a signature; UK/Foreign National Identity Card Documents additional to List B: National Insurance Card; a current Building Society passbook; or a Child Benefit Book |
| NRAM Ltd | None |
| Paragon Buy to Let Mortgages |
We do not supply a prescriptive list. You should ensure that you are happy that you have satisfied your obligations for the verification and identity of the Borrower/signatory and keep a certified copy of any documentation upon which you have relied on your file. |
| Paragon Residential Owner-Occupied Mortgages | We do not supply a prescriptive list. You should ensure that you are happy that you have satisfied your obligations for the verification and identity of the Borrower/signatory and keep a certified copy of any documentation upon which you have relied on your file. |
| Paratus AMC Ltd |
Documents additional to List A: EU Member State National Identity Card; Foreign National ID card on basis that indefinite leave to remain has been granted or Identity Card issued by Electoral Office for Northern Ireland. Documents additional to List B: Valid old style full UK driving licence; and/or Recent evidence of entitlement to a state or local authority funded benefit, tax credit or pension; Bank Statement or Credit Card Statement from a regulated UK firm (Internet copies are not acceptable). |
| Parity Trust |
List A One of the following (List A): ? Current valid full passport ? Current photocard driving licence - United Kingdom, EU, Isle of Man, Channel Islands (not a provisional licence) Two of the following (List B) but no more than one of each type: ? Cheque guarantee card or credit card bearing the Mastercard or Visa logo, an American Express or Diners Club card, or a debit or multi-function card bearing the Maestro or Delta logo which was issued in the United Kingdom and is supported by an original account statement less than three months old* ? Utility bill less than three months old* ? Council tax bill for the current year ? Mortgage statement for the mortgage accounting year just ended* ? Current firearm or shotgun certificate |
| Pepper Money | Please contact Pepper Money Lending department on 0333 370 1101 or email lendingenquiries@pepper.money |
| Pepper Money (PUK) | Please contact Pepper Money Lending department on 0333 370 1101 or email lendingenquiries@pepper.money |
| Perenna |
Applicants' identity and address should be verified electronically where possible. Where the applicant(s) fails electronic verification, documentary evidence will be required from list 1 (documents containing a photograph) and one from list 2 List 1 o Current signed passport o Current signed full UK Driving License* o EU (European Union) member state ID card * Those items marked with an asterisk can be used for either name or address verification but not for both List 2: o Utility bill (under 3 months old) o Driving License (if not used for ID) o Council tax bill (current year) o Letter from a Government Department (e.g., HMRC (Her Majesty s Revenue and Customs) (under 3 months old) o Mortgage statement (excluding Perenna) (most recent) o Bank or credit card statement (under 3 months) |
| Platform (a trading name of The Co-operative Bank p.l.c.) |
List A - current valid passport (must contain English translation), Current UK full driving licence (old paper style), Current UK full or provisional photocard driving licence, Benefit book or most recent letter from the Benefits Agency confirming the right to benefits (issued within the last 6 months or valid for the current year), Firearms certificate/shotgun licence, most recent HMRC tax notification (issued within the last 6 months or valid for the current year - SA302, P60,P45 not acceptable), Northern Ireland Electoral ID card (no more than 10 yrs old), EU/EEA Member state ID photocard (UK ID cards are not acceptable), National ID card (for non-EEA foreign nationals). List B - Confirmation from an electoral register search that a person of that name lives at that address, recent Utility bill (issued within the last 6 months, mobile phone bills are not acceptable), Most recent Bank/Building Society or credit union statement, letter or passbook containing current address (issued within the last 6 months, internet statement are not acceptable), Most recent Mortgage statement from a recognised lender (issued within the last 6 months or valid for the current year), Benefits book or most recent notification from the Benefits Agecny confirming the right to benefits (issued within the last 6 months or valid for the current year), current UK full driving licence (old paper style), current UK full or provisional photocard driving licence, Local Authority tax bill (issued within the last 6 months or valid for the current year), Local Council tenancy agreement, Most recent HMRC tax notification (issued within the last 6 months or valid for the current year - SA302, P60, P45 not acceptable. |
| Precise Mortgages (Charter Court Financial Services Ltd) | |
| Principality Building Society |
List A: Current signed UK passport Current signed full UK Driving License* HM Revenue and Customs Tax Notification (dated in the last 12 months)* EU member state ID card*/ EU passport Non EU passport and valid Visa State pension or benefitS document or notification from the Department of Work and Pensions (DWP) confirming the right to benefits (under 12 months old)* * those items marked with an asterisk can be used for either name or address verification but not for both. List B: Gas and electric bill (under 3 months old) Water bill (under 12 months old) Local Authority tax bill (under 12 months old) Letter from a Government Department about your personal affairs (under 12 months old) Solicitor’s letter confirming completion of house purchase or land registration together with proof of previous address (under 6 months old) Mortgage Statement (under 12 months old) Local Authority or Housing Association tenancy agreement (under 12 months old) Official letters from a care or nursing home confirming residence (under 12 months old) Bank, Building Society (savings) or credit card statement (under 3 months old and not online print out) |
| Reliance Bank Ltd |
Acceptable Photographic ID -Current Passport, Valid EU member state phot identity card or current UK Driver's Licence (Front & Back) Proof of address ID Current UK driver's Licence (front & back) Council Tax bill for current year HMRC documentation aprt from P45 or P60 forms Notification letter from a benefits agency dated in the last 12 months Current Tenancy agreement from local council/recognised Housing Assocation dates in last 12 months Bank/Building Society statement dated within last 3 months Credit card statement dates within last 3 months Mortgage statement from recognised lender dates within last 12 months Cable/Sky/Utility Bill dated within the last 3 months |
| Rooftop Mortgages Ltd |
List A - Current employers signed identity card List B - Construction industry tax exemption certifiecate with photo of the holder issued by the Inland Revenue - CIS4(P), CIS6, CIS25 - Inland Revenue tax notification - Benefits agency book or notification letter - Residence permit issued by the Home Office to EU nationals on sight of own country passport |
| Saffron Building Society |
List A: Current full UK paper driving licence List B: None |
| Sainsbury's Bank |
List A Current UK Firearms certificate or shotgun licence Valid UK Biometric Residence Permits Valid European Union or European Economic Area or Swiss National ID card Northern Ireland Electoral Identity Card List B Copy of valid full UK and Northern Ireland Driving Licence (old style paper) HM Revenue and Customs notice of coding (less than 12 months old) Council tax demand or statement (less than 12 months old) Current Instrument of a court appointment (such as grant of probate) Current UK based Bank statement or credit/debit card statement (less than 12 months old and excluding those printed from the internet) |
| Santander UK plc | None. |
| Scottish Building Society | |
| Scottish Widows Bank |
Additional List B: Pension/Family allowance book Current notice of tax coding Recognised employer ID card bearing signature, photograph and company name. |
| Secure Trust Bank PLC | None. |
| Skipton Building Society |
List A - Employer ID card with the signatory's photograph and signature. List B - Building Society passbook with pre-printed name and address. |
| St James Place Bank |
List A employer's identity card with the signatory's photograph and signature (provided you know the employer). List B employer's identity card with signatory's photograph and signature(if you do not know the employer) current UK driving licence(full old paper version) Self employed in the construction Industry - tax exemption certificate with photograph of the holder(issued by the Inland Revenue, forms CIS4, CIS5 or CIS6) Benefits Agency Benefit book or original notification letter from the Benefits Agency confirming right to benefits Inland Revenue Tax Code Notification Residence Permit(issued by the Home Office to EU Nationals) Local council rent card or tenancy agreement. |
| State Bank of India UK | We do not supply a prescriptive list. You should ensure that you are happy that you have satisfied your obligations for the verification and identity of the Borrower/signatory and keep a certified copy of any documentation upon which you have relied on your file. |
| Swansea Building Society | Please contact the lender |
| The Mortgage Business |
List A - employer's identity card with the signatory's photograph and signature (provided you know the employer). List B - employer's identity card with signatory's photograph and signature (if you do not know the employer) - current UK driving licence (full old paper version) - Building Industry Sub-Contractor's Certificate (issued by Inland Revenue) - Benefits agency Benefit book or original notification letter from the Benefits Agency confirming rights to benefits - Inland Revenue Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) - Local council rent card or tenancy agreement. |
| The Mortgage Lender Limited | None |
| The Mortgage Works |
List A 1) Signed Employers Photo ID card, provided the employer is known to the Conveyancer 2) Debit/cheque guarantee card (UK issued) together with original account statement, less than 3 months old. List B 1) Inland Revenue Notice of Tax Codes (less than 12 months old) 2) Residence Permit issued by the Home Office to EU Nationals |
| The Royal Bank of Scotland plc |
UK driving licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue. |
| The Royal Bank of Scotland plc Direct Line Mortgages | UK Driving Licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification card. |
| The Royal Bank of Scotland plc Direct Line One | UK Driving Licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification card. |
| The Royal Bank of Scotland plc First Active | UK driving licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification Card. |
| The Royal Bank of Scotland plc Natwest one Account | UK driving licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification Card. |
| The Royal Bank of Scotland plc One Account | UK driving licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification Card. |
| The Royal Bank of Scotland plc Virgin One | UK driving licence - old style, Inland Revenue notification, Construction Industry tax exemption certificate issued by the Inland Revenue, Inland Revenue Tax Notification and Student Identification Card. |
| The Tipton & Coseley Building Society |
A current signed passport; A current photocard driving licence (full or provisional); A national identity card (All non-UK nationals must provide evidence of their permanent right to remain in the UK); A valid old style UK driving licence; Recent evidence of entitlement to a state or local authority funded benefit (including housing benefit and council tax benefit), tax credit, pension, educational or other grant; A firearms certificate or shotgun licence; Biometric residence permit/Biometric residence card. |
| Together Personal Finance Limited |
List A: Current signed Non UK/EEA passport – must be accompanied with evidence of permanent right to reside in the UK. Current EEA National Identity Card. Current signed UK Travel Document (looks like a UK passport but states 'Titre de voyage'). Current Full UK Driving License (old paper style). Latest HMRC Tax Code Notification (states tax code for the forthcoming tax year) which states full name. State Pension or Benefits Book/Notification Letter which states full name. List B: HMRC Revenue Tax Code Notification. State Pension or Benefits Book/Notification. Letter-dated within the current tax year. Current Tax Awards Letter- dated within the current tax year. Current local rent card or tenancy agreement. Items shown in both lists can only be used for one option not both. |
| Topaz Finance Ltd | List A - Signed Employer ID Card (bearing a photograph) if you know the employer. List B - TV licence, Birth or Marriage Certificate, National Insurance Card, Provisional Driving Licence, Full UK Driving Licence, Signed Employer ID Card (bearing a photograph) where you do not know the employer. |
| TSB Bank plc |
List A: Current full UK driving licence Current Benefit payment book or original letter from Benefits Agency confirming the right to benefit for the current period Employer?s identity card with the signatory?s photograph and signature(providing you know the employer) List B: Employer?s identity card with the signatory?s photograph and signature (if you do not know the employer) Current UK driving licence (full old paper version) HM Revenue & Customs Tax Code Notification ? Residence Permit (issued by the Home Office to EU Nationals) Local council rent card or tenancy agreement |
| Ulster Bank | UK driving licence - old style,Construction Industry tax exemption certificate issued by the Inland Revenue and Inland Revenue Tax Notification. |
| Vida Homeloans |
List A: Valid Non UK Passport or National ID Card UK Firearms Certificate or shotgun licence - current Police Warrant Card List B: None of the Part 1 listed items are acceptable for identity purposes |
| Virgin Money | None. |
| Whistletree (a trading name of TSB Bank plc) |
List A: Current full UK driving licence Current Benefit payment book or original letter from Benefits Agency confirming the right to benefit for the current period Employer's identity card with the signatory's photograph and signature(providing you know the employer) List B: Employer's identity card with the signatory's photograph and signature (if you do not know the employer) Current UK driving licence (full old paper version) HM Revenue & Customs Tax Code Notification - Residence Permit (issued by the Home Office to EU Nationals) Local council rent card or tenancy agreement |
| Yorkshire Bank Home Loans Ltd |
List A - Single document Identification:A government issued document which incorporates the customer's full name and photograph, and either the residential address or date of birth:- Current full valid signed passport, Current Northern Ireland Voter's Card, Current UK Photo-Card Driving Licence, Current Firearms certificate or shotgun certificate issued by UK Police Force. List B - Dual Document Identification: A government issued document (without a photograph) which incorporates the customer's full name:- Current full UK Driving Licence (old version), Recent evidence of entitlement to a state or local authority funded benefit e.g. pension book/ DSS/ Benefits Agency notification letter, HM Revenue and Customs Tax Notification/ Notice of Tax Coding/ Self Assessment return, National Insurance Card (accompanied by most recent P60 or payslip detailing NI number and name), Armed Forces ID Card, Police Warrent Card, Blue Parking Card for People with disabilities. |
| Yorkshire Building Society |
List A - Full Driving Licence - either photocard version or old style. - Residence Permit issued to EU National on sight of own country passport. - EU member state ID card. - Foreign National ID card (on basis that indefinite leave to remain has been granted.) |
| Zephyr Homeloans | You are responsible for for checking that a full ID&V is completed. List A - Signed Employer ID Card (bearing a photograph) if you know the employer. List B - TV licence, Birth or Marriage Certificate, National Insurance Card, Provisional Driving Licence, Full UK Driving Licence, Signed Employer ID Card (bearing a photograph) where you do not know the employer. |