Providing proofs

Identification

We must approve identification for ALL mortgage applicants. You may be asked to provide evidence to confirm your clients full legal name, including any middle names and address. Where this is requested, you must see the original document before providing us with a copy.

Type of ID

To confirm the applicants full legal name and address you will need to provide:

• Copy of a valid full or provisional UK photocard driving licence

OR

Two separate documents from the lists below;

• One from proof of name
• One from proof current address 

You cannot use the same document for both. All documents must be current, valid and all information must match the application.

Proof of name

Proof of current address

*Important: We cannot accept proof of address from Nationwide, Virgin Money or The Mortgage Works. Statements must be from a different source, i.e. a bank or credit card statement used for proof of name can't be from the same provider as a mortgage statement taken for proof of address.

All ID proofs submitted should be in date and show the customers details as required including full legal name. Where shown the proofs should show the applicants current residential address.

If submitting a digital proof, only UK State benefit entitlement, University/College letter, HMRC Tax Correspondence, UK Mortgage Statement, UK Credit Card Statement and UK Bank Statement are permitted. These documents need to show the full customer details including sort code and account numbers.

Non-European Economic Area Nationwide resident in the UK

Clients who aren't from the European Economic Area will need to provide:

• Proof of name: National passport
• Proof of address: One document from the above Proof of Address list

Proofs of UK Residency 

Please see below for the type of income and proofs we'll accept.

• Income proofs

Guides to support you

• Guide to your mortgage statement.
• Broker support guides

We'll seek to validate your client's income using credit bureau information, if we can successfully do this, we won't request to see any proofs.

Please see below for the bank statements we'll ask you to provide.

Bank statements can be requested for the following reasons:

• 1-3 month’s bank statements from main account are required to show salary fed payments and outgoings account history.
• 3 months’ bank statements are required to show rental income from a Buy to Let and the mortgage payment going out. They are also required to evidence maintenance.

Statements can also be requested to provide evidence of deposit:

• UK savings account and savings held in an EEA bank account: 1 months bank statement to be provided
• Savings held in a non-EEA bank account: 3 months' bank statements to be provided
• Gifts will be classed as monies deposited into the customer’s account within the last 12 months. Funds which have been in the client’s account for more than 12 months will be treated as savings.

A mortgage statement could be requested for the following reasons:

• Where you're looking to take advantage of our like for like product incentive. This is so we can verify the existing balance of the security property to ensure no additional lending is being taken.
• To help verify your client is not classified as a portfolio landlord.
• To be used for address verification (as long as your clients postal address is their current residential).

We'll only accept documents in languages other than English if they've been translated into English by an independent translator and if:

• you have captured the firm or name of the translator, their address and the contact number of the translator.
• The translator is not a family member of the customer.

You must retain a copy of the original and the translated document on file.

Read our source of deposit criteria, where you can find a list of our acceptable source of deposits and which proofs are required.