Helping with your application

In order to comply with money laundering regulations and to protect our customers from fraud, we are required to confirm the identity and address of every mortgage applicant. We are able to access credit reference agency databases which, in most cases, will allow us to proceed with your application without any paper-based identification. This will show as a search of the database only and not a credit score, so will not affect your credit rating. 

If we do need further proof of identification, we will let you know. These requirements will depend on how and where you are completing your application.

Applications completed in person at one of our branches: one item from each of the two lists below.
Applications completed by post: two items from each of the lists below.

We can accept photocopies of documents, if they are certified by a professional and you must provide their contact details. The photocopied document must be certified stating ‘Certified to be a true copy of the original seen by me’ with a signature, date, full name and occupation. The individual certifying the document must provide contact details if they were required to be contacted. Appropriate persons include: accountant, bank or building society official, local authority councillor, dentist, doctor, minister of a recognised religion, police officer, Post Office official, Solicitor or Teacher/Lecturer.      

Items used as proof of identity cannot be used as proof of address.

Evidence of identity:

  • A current signed passport;
  • A current photocard driving licence (full or provisional);
  • A national identity card (not including ID cards issued to UK citizens);
  • 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.

Evidence of address:

  • A current photocard driving licence (full or provisional);
  • A firearms certificate or shotgun licence;
  • 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;
  • Instrument of a court appointment (such as liquidator, or grant of probate);
  • Current council tax demand letter or statement (no more than three months old);
  • Current bank or building society statement or passbook issued by a regulated financial sector firm in the UK, EU or comparable jurisdiction (we cannot accept any documents printed from the internet and they must be no more than three months old);
  • Utility bill (recording the company that issued the bill and date of issue. We will not accept any printed from the internet and they must be no more than three months old);
  • Inland revenue PAYE coding notice (P2) - current year or Inland Revenue Statement of Account - current tax year.