Lender wants a 'notice of coding'

m0rgana

Hi everyone

I need to provide a 'notice of coding' to the lender I'm applying to for a re-mortgage (NatWest), and am not sure I have it. They've asked for it as a proof of ID.

I spoke to our head of finance at work who said that a P60 would probably be sufficient, as it shows (some of) the same information. Is this usually the case? I have a P60 so could send that if so. Otherwise, is this an easy or a difficult thing to get hold of via HMRC?

Probably can't get hold of NatWest this evening and am a bit stressed, so grateful of any input. Otherwise I will probably spend the evening turning the house upside down to find this letter (which I probably did receive in March but has mislaid)

thanks all.

GMS

I assume you don't have a passport or driving licence?

Notice of Coding is almost the last resort for ID. If you don't have it call the tax office and request it asap.

m0rgana

Actually, in this case no, we do not have a passport or driving licence for at least one applicant. However, they did not request one at any point - just a notice of coding or various other HMRC docs. Is a P60 no good then?

GMS

Have they not asked for a P60 anyway for income proof?

m0rgana

It's Natwest - they have asked for payslips but not specifically a P60.

Quite a few other docs are valid for ID apparently, but none are relevant to us (child benefit notification or tax credit).

GMS

Acceptable ID for Natwest:

• A certified copy of current valid passport OR
• HM Revenue and Customs Tax Notifications and
correspondence, less than 6 months old or dated within
the current financial year OR
• A certified copy of current full driving licence.

P60 is not acceptable.

m0rgana

Well they didn't mention anything about passports to us on the email today I was given about needed documents. I just hope we can get the tax notification sorted, I am a real worrier.

m0rgana

What about going to a solicitor to get an ID verification? We did this once when transferring a lease

GMS

m0rgana wrote: »

What about going to a solicitor to get an ID verification? We did this once when transferring a lease

Verified with what?

Natwest would have checked for electronic ID prior to asking for something from you.

What else could a solicitor do?

You need to satisfy the lender requirements as it is their money and their choice as to who to lend to or not.

m0rgana

Yes, well I'll obviously be delighted to do that by whatever means I can...

GMS

Then you will need to request the Notice of Coding from HMRC asap.

Best to do this then try to find an alternative solution with the lender.