ID required for mortgage

sammyw

What ID do you need to get a mortgage? One advisor has told us that without photo ID we will find it very hard. I don't have a passport or full driving licence - should I apply for a passport just to have the ID or will something else be accepted?

kingstreet

Plenty of items on most lenders' ID/PoA lists.

You do not need photographic identification.

If you have no passport or driving licence, most lenders will take extra items from the PoA list instead.

For example, with no passport or driving licence, I'd expect to obtain any four or five of;-

recent* bank statement
recent council tax bill
recent utility bill
recent DWP benefits letter
HMRC tax code notice
birth certificate
national insurance card
national health service card
shotgun/firearms certificate
disabled driver's blue badge
mortgage statement
tenancy agreement/rent book.

*Issued in the last three months.

Our responsibility is to ensure we can create an audit trail for the authorities to follow in the event of suspicion. It is not to force people to obtain unnecessary photographic documentation.

unknowndave

My other half had the same query.

i sent off for him :

birth cert
2 different sets of bank statements
council tax bill (march 2012)
tv licence
babys birth cert
p60
3 payslips
nhs medical card

everything i could find with his name on. This was acceptable to our solicitors.

Let_Us_See

Confusion here between proof of identity and proof of address. Proof of identity is almost universally passport or driving licence (new type with card and photo), although other items, such as gun licence, maybe accepted by some lenders.

If thinking about a mortgage I would recommend applying for a passport, as many lenders will not accept a provisional driving licence.

kingstreet

Here's a copy of the Nationwide list, showing lenders can be flexible;-

UK and European Economic Area Nationals

Please supply one document from the UK Photo ID list below:

Copy of a valid full UK Passport
Copy of a valid full UK Photocard Driving Licence

Alternatively please supply one document from the Proof of name list and one different document from the Proof of current address list.

Acceptable proofs of name:

UK based Bank or Building Society statement (less than three months old, internet banking statements/Nationwide Flex Account statements are not acceptable)
Copy of a Valid full UK and Northern Ireland Driving Licence (old style paper)
National ID Card (EU Only)
HM Revenue and Customs notice of coding (less than twelve months old)
UK Firearms Licence or Shotgun Certificate
Benefit Letter (less than twelve months old)
Acceptable proofs of current address
UK based Bank or Building Society statement (less than three months old, internet banking statements/Nationwide Flex Account statements are not acceptable).
Copy of a Valid full UK and Northern Ireland Driving Licence (old style paper)
HM Revenue and Customs notice of coding (less than twelve months old)
Gas, electricity or telephone bill, not mobile (less than three months old, internet statements are not acceptable)
Mortgage statement, water bill or council tax bill (less than twelve months old, internet statements are not acceptable)
Benefit Letter (less than twelve months old)

Acceptable proofs of UK Residency for non-EEA Foreign Nationals

Copy of a valid non-UK or European Economic Area (EEA) passport containing stamp for indefinite leave to remain in the UK.
Written confirmation of indefinite leave to remain in the UK from the Home Office.
Additional acceptable proof of current address as detailed above.

cpwaterstone

Well i think the main thing is your credit history for getting mortgage or your bank statement can also work.

Let_Us_See

cpwaterstone wrote: »

Well i think the main thing is your credit history for getting mortgage or your bank statement can also work.

?????????????? Little to do with providing proof of ID?

kingstreet

I think Mr Waterstone is a spammer in training.

Bald statement only loosely linked to the subject. It has all the hallmarks.