Acceptable Identification
Proof of your customer's identity
When applying for a mortgage with us we'll need to see proof of identify for each applicant. Your customer will need to provide us with one item from List A and one item from List B.
All documents need to be a true certified copy of the original and uploaded to the online intermediary service. These are required to fulfil statutory obligations and won't be used for any other purposes. If we can't verify your customer's identity, we won't be able to proceed with the application.
Although some items appear in both lists your customer can't use the same item to verify both their name and address, two separate items are required.
We can accept digital identification checks from Digidentity, NIVO, Onfido and Thirdfort – this applies to those documents listed under List A only.
If you use an alternative digital identification service, we may be able to consider adding the identification service to our panel. If you’d like to discuss this please get in touch with the team on 0345 601 2744.
A current signed passport or EU member state ID card
A current UK photocard driving licence (full or provisional) – showing your current address and an unexpired photograph
A current full UK old style driving licence
An HM Revenue & Customs tax notification e.g. tax assessment, statement of account or notice of coding (P45s and P60s are not accepted) – less than 12 months old
Evidence of entitlement to state benefits, pension or tax credits – less than 12 months old
A firearms certificate or shotgun licence
A current Blue Badge disabled driver’s pass
An older or disabled person’s bus pass issued by your local authority
A UK Armed Forces ID card
A police warrant card
List A: to prove who your customer is
A current signed passport or EU member state ID card
A current UK photocard driving licence (full or provisional) – showing your current address and an unexpired photograph
A current full UK old style driving licence
An HM Revenue & Customs tax notification e.g. tax assessment, statement of account or notice of coding (P45s and P60s are not accepted) – less than 12 months old
Evidence of entitlement to state benefits, pension or tax credits – less than 12 months old
A firearms certificate or shotgun licence
A current Blue Badge disabled driver’s pass
An older or disabled person’s bus pass issued by your local authority
A UK Armed Forces ID card
A police warrant card
List B: to prove where your customer lives
A utility bill – less than three months old, mobile phone bills not accepted
A council tax bill for the current year
A bank, building society or credit card statement – less than three months old
A mortgage statement – less than 12 months old
A television licence renewal for the current year
A student loan acceptance letter or annual statement – less than 12 months old
A local council rent card or local council tenancy agreement
A local housing association tenancy agreement – private tenancy agreements are not accepted
A solicitor's letter confirming a recent house purchase or land registry confirmation – less than three months old
A current UK photocard driving licence (full or provisional) - showing your current address and an unexpired photograph
A current full UK old style driving licence
HM Revenue & Customs correspondence for the current tax year
Evidence of entitlement to state benefits, pension or tax credits – less than 12 months old