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    • mrbios
    • By mrbios 14th May 18, 8:23 PM
    • 8Posts
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    mrbios
    Lack of photo ID and mortgage application
    • #1
    • 14th May 18, 8:23 PM
    Lack of photo ID and mortgage application 14th May 18 at 8:23 PM
    Hi all,

    We've just this past weekend put an offer in on a house and had it accepted. We're working with a mortgage broker on getting everything sorted with solicitors etc. However I've hit a bit of a roadblock...both the estate agents and broker need a valid form of ID, however I have nothing.

    I have an out of date password (1 year 2 months out of date) and an out of date provisional license with an old address on. I have no documents from HMRC, DVLA or other government agency. The best i can do is post from the county council, such as a council tax bill.

    Can anyone tell me if a citizen ID card such as this: citizencard.com would be valid for this purpose? It's a lot cheaper and quicker than my alternative options, I unfortunatley don't live anywhere near a passport office to get the fasttrack or urgent passport renewals done, and I really don't want to hold things up for 3 weeks waiting for a new passport.

    Any other suggestions here?
Page 1
    • csgohan4
    • By csgohan4 14th May 18, 9:09 PM
    • 4,427 Posts
    • 2,777 Thanks
    csgohan4
    • #2
    • 14th May 18, 9:09 PM
    • #2
    • 14th May 18, 9:09 PM
    A Passport will be useful and/or provisional driving license. You will need these when applying for a mortgage or using a solicitor for the buying process.


    not sure if they recognise that particular ID card.


    The key thing is will it be accepted for opening up a bank account? If not then no
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • Drawingaline
    • By Drawingaline 14th May 18, 9:27 PM
    • 425 Posts
    • 1,429 Thanks
    Drawingaline
    • #3
    • 14th May 18, 9:27 PM
    • #3
    • 14th May 18, 9:27 PM
    I had to get three brand new first passports for my children in February. All sorted and returned within 7days. I did one online and two as paper ones, I believe the online one came the day before the paper ones. As long as you know someone to sign the photos, it honestly shouldn't take tooong, and as yours would be a renewal I doubt it would take three weeks.
    • davidmcn
    • By davidmcn 14th May 18, 9:59 PM
    • 7,652 Posts
    • 7,786 Thanks
    davidmcn
    • #4
    • 14th May 18, 9:59 PM
    • #4
    • 14th May 18, 9:59 PM
    Just renew your passport. Doesn't take long (you don't even need someone to sign the new photos unless you're completely unrecognisable from the old photos).
    • minimike2
    • By minimike2 15th May 18, 9:06 AM
    • 1,952 Posts
    • 1,480 Thanks
    minimike2
    • #5
    • 15th May 18, 9:06 AM
    • #5
    • 15th May 18, 9:06 AM
    If buying the house is that important to you then take the time to go and sort out your passport?
    I am a mortgage industry professional. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice
    • jackandcoke
    • By jackandcoke 15th May 18, 1:30 PM
    • 42 Posts
    • 23 Thanks
    jackandcoke
    • #6
    • 15th May 18, 1:30 PM
    • #6
    • 15th May 18, 1:30 PM
    Not to cast judgement or anything but I could never understand it when people have no valid Photo ID. Especially a driving license (full or provisional) considering how little they cost.
    Honest? Probably......sort of.
    • gingercordial
    • By gingercordial 15th May 18, 1:52 PM
    • 1,146 Posts
    • 1,193 Thanks
    gingercordial
    • #7
    • 15th May 18, 1:52 PM
    • #7
    • 15th May 18, 1:52 PM
    A passport renewal will probably be really quick.

    I did mine last August, so in the middle of peak summer holiday time, for a name change on marriage and it was back in a week using the normal service.

    Two months ago my boss did his own plus two kids, and did one as fast-track (his own as he needed to travel for work soon), one check and send and one normal (as it was identical to the other one, twins!). They arrived back in three, four and five days respectively.
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