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ID needed for mortgage?

funkymonkey849
Posts: 622 Forumite
Our mortgage broker has said that the only forms of ID that will be accepted are pink driving licence, passport and tax code letter. My boyfriend has none of these, only a provisional licence.
I rang natwest and they said for their mortgages they will accept a provisional. My boyfriend doesn't want to spend £120 on a passport if he doesn't have to.
Any advice?
I rang natwest and they said for their mortgages they will accept a provisional. My boyfriend doesn't want to spend £120 on a passport if he doesn't have to.
Any advice?
0
Comments
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Exact list of acceptable dcouments varies from lender, here is a typical one (from Leeds):
(A) Primary Identifi cation: One of the following original documents is required to confi rm customer identity:
• Current signed UK/EU passport
• Current UK/EU driving licence with photo (full or provisional)
• EEA member state identity card (Swiss cards also acceptable)
• Northern Ireland Voter’s Card
• Blue Disabled Driver’s Pass
• Shotgun or firearms certifi cate
• HMRC tax notifi cation (tax assessment, statement of account or notice of coding; not P45 or P60)
• Most recent notifi cation from Department of Works & Pensions confi rming rights to benefi ts or state pension (or benefi t book)OR Secondary Identifi cation: If customer has no primary ID, two of the following original documents may be used: (These should show the• Police warrant card
customers full name and either the residential address or date of birth.)
• Current UK driving licence showing current address (non-photo version)
• A grant letter or student loan agreement from a Local Education Authority
• Bank, building society or credit card statement (issued within the last 3 months) (not acceptable if printed from the Internet)
• A cheque guarantee card, credit card or debit card with inlaid holograph
• Initial deposit by personal cheque (drawn on an account that includes the customer’s name)
• Marriage /civil partnership certifi cate
• Deed poll documentation
..... additionally, the broker may have specific requirements to comply with his own or his network's compliance standards.
Check the lenders site (usually shown on there somewhere) and see if you can match it and then check broker's stance again (if you have matched the lender's list).
Be warned - a new passport application can be a lengthy business
Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
Thanks
Any idea why the broker is adament we have to get a passport and a provisional licence won't do?0 -
Natwest or no natwest. You are carrying this out through the broker. You must abide to his / her rules. If they say only that set list of ID verification is ok, you must stick to this. Compliance rules!
Hats off to pushing out fraud.Motto: 'If you don't ask, you don't get!!'
Remember to say thank you to people who help you out!
Also, thank you to people who help me out.0 -
What has it got to do with fraud?0
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Any idea why the broker is adament we have to get a passport and a provisional licence won't do?(No offence intended... ) -- because he probably doesn't know what he's doing, and only things about & cares about the ££"££ commission he'll get for selling you the "deal"...
Sorry. Offence taken. He does appear to know what hes doing. If he didnt he would accept it for an easy life. Instead, he is doing what is required.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
This is all very confusing!
I am happy with the broker we are going with and don't want to change, however I don't want to spend £120 and delay the application for another week.
It's just confusing that the broker said NO WAY with a provisional, but natwest said yes. Gahhh0 -
Ask your broker for a copy of the documents his firm accept for ID. Seem stranges he is limiting you.
I disagree with dunstoh alot of lenders do accept provisional licences.
I know you say you happy with him so far but if you dont want to pay out £120 then tell him unless something else can be used you dont want to do the deal with him.
Alternatively a call to HMRC you may be able to get a tax coding letter.
Is your broker authorised directly by the FSA?0 -
I assumed from the original posting you were using Natwest as an example (as presumably the broker is searching 'whole of market') and therefore quoted a typical lender extensive list (at the same time warning that the broker may for very good reasons have a more restricted list).
Having had a look at Natwest - they quote (on their website):
Identification TableCurrent signed PassportEU national ID cardCurrent Full UK photocard Driving LicenceCurrent Full UK Driving Licence (old style paper version)Construction Industry - Tax exemption certificate with photograph of holder (forms CIS4, CIS6)Student identification/matriculation card (from a recognised university or college) - must be valid for current academic yearFirearms or shotgun certificateBenefits book or original notification letter from the Benefits Agency (including Dept. of Work and Pensions) and/or Job Centre Plus confirming the right to benefits at present.Photo credit/debit card issued by a UK/EU bankUK armed forces ID cardPolice warrant cardDisabled driver's passOAP Travel PassOriginal HM Revenue & Customs issued tax notification and correspondenceIdentity Card issued by the Electoral Office for Northern IrelandFor 20 years old and under onlyNHS medical cardBirth certificateUK provisional photo card driving licencePASS Card (Young Scot, Citizencard, Portman Group, Validate UK or equivalent)
.... for a bank account (presumably they take the same approach for direct sell mortgages, so unless your boyfriend is under 20 then it needs to be a full driving licence).
Moving to their mortgage site (RBS for intermediaries) I can't see the detail of ID specifically for Natwest (incidentally they only offer specialist mortagages - i.e buy to let - through brokers, so I doubt this is what you are applying for via an intermediary, more likley to be RBS or First Active from the same group) but the general packaging notes indicate a fairly limited list as follows:
Identification Addressl An original or certified copy of a personal bank statement
showing the applicant’s salary, together with the
corresponding payslip. Both of these items must be less
than 3 months old, ORl A certified copy of current valid passport ORl A certified copy of current full driving licence.
.... in which case it does fully justify what your broker is telling you (even without allowing for his own or his network's compliance requirements).
Based on experience, it can occasionally (and not easy these days) with some lenders be possible to get some flexibility in ID/Address proof as long a good and well documented reason exists , but frankly your boyfriend needs to start addressing all these issues (and items such as voters role) ASAP - the world is run by credit rating/ID tracing processes these days, whetehr you like it or not.
Additionally, he may want to take you on holiday anyway !!Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
The old paper provisional licences were dished out to anybody who could fill out a form and pay a fee.
The new provisional photo licences go through a more rigorous assessment process (not dis-similar to obtaining a passport) and can only be obtained once identification has been provided.
There is therefore little sense in not accepting a new provisional photo driving licence as ID. But every reason to reject an old paper licence.funkymonkey849 wrote: »I am happy with the broker we are going with and don't want to change, however I don't want to spend £120 and delay the application for another week.
2) It will probably be longer than a week.It's just confusing that the broker said NO WAY with a provisional, but natwest said yes. Gahhhfunkymonkey849 wrote: »What has it got to do with fraud?0 -
Personally I would get a passport as they last for ten years. Is he really planning to not leave the country in ten years? And they are becoming pretty much the primary source of identification. It can take a while to get one, although I believe you can pay more to speed the process up.0
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