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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
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 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
Barclays Bank UK PLC List A
Full UK Driving Licence (old style paper copy)
Foreign Driving Licence
EU National Identity Card incorporating signature and photocard

List B - None
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.
Birmingham Midshires Contact Completions Team at office issuing mortgage instructions. See Offer for contact details.
Bluestone Mortgages None.
Bradford & Bingley Plc 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:-
� Valid signed passport
� Valid photocard Driving Licence (full or provisional)
� National Identity card (non-UK nationals)
� Firearms Certificate or shotgun licence
� 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:-
� Valid old style full driving licence
� 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
� Inland Revenue Tax Notification (including Coding Notices/Self Assessment Statement of Account)
LIST C Evidence of address and other acceptable identity documents:
� Current council tax demand letter or statement
� 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
� 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)
� Current Bank or Building Society passbook or recent statement containing current address
� Most recent original mortgage statement from a recognised lender.
� Local Council rent card or tenancy agreement
� Recent Credit Card statement (Visa/Mastercard/American Express)
� Recent instrument of a court appointment
Capital Home Loans List A
Certified copy of National Identity 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 current full UK Driving Licence (old 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.
Instrument of a court appointment(such as liquidator, or grant of probate).
Current year council tax demand letter or statement.
Current (up to 3 months)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, EU or comparable jurisdiction (but not ones printed off the internet).
Utility bills - gas, water, electricity (up to 3 months)(but not ones printed off the internet)- mobile phone bills are not acceptable.
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).
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 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).
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.
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).
Earl Shilton Building Society In addition to LIST A, Current Full UK Driving Licence (Old version) not Duplicates, HMRC and DWP documentation dated within the 12 months.
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.
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.
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 two to confirm name (eg passport, driving licence etc)
Also any two to confirm address (eg recent utility bill, land line telephone, Council Tax or Bank Statement)
Hinckley and Rugby Building Society None.
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)
Hodge Life • 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)
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;


Additional List B items:
1. HMRC Tax Assessment / Notification (most recent tax year);
2. lease / rental agreement (in date and through a reputable realtor/estate agent ONLY – no direct landlord-tenant agreements).
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) 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 teh Home Office to EU Nationals
3. Subcontractors Tax Certificate (must be accompanied by an IR Notice of Assessment.
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 This is detailed in our instructions to you. You need to ensure that you are satisfied that you have discharged you 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
• 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

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 No other documents are acceptable.

All identity documents in List A should be certified as a true likeness of the signatory and as a true copy of the document.

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.
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 List A
• Firearms Certificate/Shotgun Certificate
• UK or other European Economic Area (EEA) member state Identity Card

List B
• Current full UK driving licence – old version (not provisional)
• Birth Certificate (minors only)
• Benefits Agency Payment Book, or letter confirming the right to benefits** (e.g. Pension or Child Benefit)
• Local Authority Council Tax bill * or payment book**
• Local council or housing association rent card** or tenancy agreement*
• HM Revenue & Customs Tax Notification (not P45 or P60)*
• HM Revenue & Customs Notice of Coding
• TV Licence Renewal Notification*
• Vehicle Licence Renewal Notification*

* The most recently issued document should be produced
** For current year
Masthaven Bank If you are unable to meet the requirements of 3.1.5, please contact: Mortgages Team, Masthaven Bank Limited, 90 Long Acre, London, WC2E 9RA.

Telephone: 0207 036 2020
Metro Bank plc Table A – Proof of identity

Acceptable photographic identity for UK, EU, EEA and Swiss nationals, otherwise please refer to Section 2 of the first page.
• Valid UK/EEA/Switzerland Passport
• Valid UK Full/Provisional Photocard Driving Licence
• Valid EU member state National ID Photocard*
• Valid firearms certificate or shotgun licence.
(We can only accept original documents, not photocopies)

Acceptable non-photographic identity for UK, EU, EEA and Swiss nationals
• Valid old style UK Driving Licence (no photo)
• HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/ NI contributions bill) issued in the last three months or valid for the current tax year. We can’t accept P45 or P60 forms
• Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Works and Pensions (including Jobcentre Plus), Benefits Agency or Veterans Agency), dated within the last 12 months.

If providing non photographic ID two proofs of address from table B will be required

Table B – Proof of Address

All documents must include your current address and must contain a unique reference number to confirm your relationship with this provider.
• Current UK Full/Provisional Photocard Driving Licence
• Council Tax bill/demand notice/statement (valid for the current financial year or issued in the last 3 months)
• HMRC documentation (PAYE Coding Notice/Tax Notification/Self-Assessment/Statement of Account/NI contributions bill issued in the last three months or valid for the current tax year). We can’t accept P45 or P60 forms.
• Notification letter from Benefits Agency/Local Authority confirming your right to benefits (Department for Works and Pensions, Jobcentre Plus, Universal Tax Credit, Benefits Agency or Veterans Agency), dated within the last 12 months
• Current Tenancy Agreement, from a local council or a recognised letting agency
• Bank/Building Society/Credit Union statement, dated within the last 3 months
• Credit card statement, dated within the last 3 months
• Mortgage statement from a recognised lender, dated within the last 12 months
• Life Assurance/Life Insurance Policy, dated within the last 3 months but outside of cancellation period
• Motor Insurance Certificate, valid for the current year but outside of cancellation period - we can’t accept cover notes
• Sky/Cable/Utility bill (gas, electricity, water), dated within the last 3 months
• TV License letter or Direct Debit schedule confirming existence of a TV license dated within last 12 months
Molo Finance 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.
At the minimum you should cover the following points:
- Check ID&V by requesting copies of 1 form of ID, 1 proof of address and an electronic AML check through either Experian, Equifax or TransUnion on the customer
- Obtain Certified ID if unable to validate the customer using the AML Check
- Perform fraud check on the customer (e.g. using CIFAS database)
- Certificate of Title will not be submitted if conveyancer is unable to ID&V the borrower or KYC raises any flags
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  
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
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) Contact Completions Team at the address stated on the mortgage offer/instructions.
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)

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 See 3.1.6 of Part 1 of the Handbook, there are no additional items
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
Tesco Bank (a trading name of Tesco Personal Finance plc) LIST A
Old Style full paper driving licenses issued by DVLA (old style provisional driving licenses are not acceptable).
Valid UK Residence Permit for Foreign Nationals.
Valid EU/EEA National Identity Card.

LIST B
None.
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 • Current signed Passport
• National Identity Card
• Northern Ireland Identity Card
• Current EEA or UK Photocard Driving Licence
• Current full UK Driving Licence (old version)
• Shotgun or Firearms Certificate
• CallCredit search undertaken by the Society
• Recent evidence of entitlement to state or local authority funded benefit, tax credit, pension, educational or other grant
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 Ltd 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
Firearms Certificate or shotgun licence

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 Mortgages 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.