Acceptable forms of ID and proof of address
You must provide one proof of identity (ID) and one proof of address (POA) and an additional item of either ID or POA from the approved list below. The additional item must be provided from a separate source i.e. 2 bank statements; one for a savings account and a second for a current account from the same provider would not be accepted.
If you are making a joint application then bills in joint names may be considered as one proof of address for each of the named individuals on that bill. Where you have recently married and have not made the appropriate changes to your documentation please also include your marriage certificate.
Personal Identity | Address verification |
Current valid (signed) full UK Passport | Mortgage Statement or Mortgage Redemption Statement (12) |
Current valid (signed) overseas Passport | Recent Utility Bill – Gas, Electricity, Water, Telephone (Not mobile phones) (3) |
Current valid EEA Member State ID card | Council Tax Bill (12) |
Current Residency Permit issued by Home Office | Current Full2 UK Driving Licence (Paper document)1 |
Current Full2 UK Driving Licence1 | Current UK / EU Photocard Driving Licence1 |
Current UK / EU Photocard Driving Licence1 | House or motor insurance certificate (12) |
Current Firearms/Shotgun Certificate | Current State Pension book/notification letter (12)1 |
Current State Pension book/notification letter1 | Current Benefits Agency Book/letter (12)1 |
Current Benefits Agency Book/letter1 | Current Local Authority Rent Card, Rent Book or Tenancy Agreement |
Sub-contractor’s Certificate | Bank / Building Society / Credit Union Statement or passbook (3) |
Current years Inland Revenue Tax Code Notification | Solicitor letter confirming completion of house purchase or land registration3 |
Credit Card Statements from main provider (3)4 | |
Official Documentation from Her Majesty’s Revenue And Customs (this does not include P60’s)(12) |
Figure in ( ) is the maximum acceptable age of the document in months (on date of verification) if it is to be deemed current.
Where you cannot provide the full documentation required (as set out below) your consultant will not be able to process your case and you may experience significant delays in your application.
1 Proof of identity and address verification cannot be from the same source. Where new style Paper Counterpart cannot be provided a further acceptable proof of address must be provided.
2 Only Photocard provisional driving licences are acceptable.
3 Proof of the previous address should also be obtained.
4 Credit card statement can be used as a second proof of address only by the following acceptable providers: Royal Bank of Scotland Group, Barclays, Lloyds TSB, Halifax Bank of Scotland Group, HSBC, Abbey, Nationwide, Woolwich, Alliance and Leicester, Citibank, Morgan Stanley (this list includes any other brand cards that are underwritten by these main providers).