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:

  • Current valid (signed) full EU Passport
  • Current valid  (signed) non EU Passport
  • Current valid National ID card (non UK Nationals)
  • Current Full2 UK Driving Licence 1
  • Current UK / EU Photocard Driving Licence1 with Counterpart
  • Current Firearms/Shotgun Certificate
  • Current State Pension notification letter1
  • Current Benefits Agency letter1
  • Current years HMRC Tax Code Notification5
  • Current Blue Disabled Drivers Pass
  • Identity Card by Electoral Office of Northern Ireland

Address verification:

  • Mortgage Statement (13) or Mortgage Redemption Statement (3)
  • Recent Utility Bill – Gas, Electricity, Water, Telephone (Not mobile phones) (3)
  • Current Council Tax Bill (13)
  • Current Full UK Driving Licence (Paper document)1
  • Current UK / EU Photocard Driving Licence1 with Counterpart
  • House or motor insurance certificate (12)
  • Current State Pension notification letter1
  • Current Benefits Agency letter1
  • Bank / Building Society / Statement (3)
  • Solicitor letter confirming completion of house purchase3
  • Credit Card Statements from main provider (3) 4
  • HMRC Tax notification documentation (this does not include P60’s) (12)
  • Account, investment or insurance documents (6)6
  • Letter from Council Confirming Electoral Roll Listing (3) 

(1) Proof of identity and address verification can not be from the same source.

(2) Old style provisional driving licences are not 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).

(5) If a client has not received their most recent coding notice, they should contact their tax office who will issue an update notice on the same day, posted second class.

(6) From a FCA regulated company on headed paper or system generated

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 your consultant will not be able to process your case and you may experience significant delays in your application.

Certification of Documentation

Where you do not wish to send the original documents of value (Passport and Driving Licence) in the post you may get one of the following to certify them:

Post Office; Bank official; Solicitor; Notary, or official from an overseas British Consulate.

You must ensure that all documents are clearly certified in Black & White (colour copies are not acceptable); this must include the certification wording, an official stamp, which includes company name, a printed name, job title, qualifications, dated and signed. The correct form of words for certifying documents is:

“I certify that this is a true copy of the original document which I have seen and I certify that this is a

true likeness to the person whom I have seen.”

Terms & conditions

Our charges are based on two considerations: the loan amount and the complexity of your individual circumstances. We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to  proceed with an application. As we offer a bespoke service our charges can vary. Our minimum fee is £495, (of which a non-refundable £150 is payable when you make a formal mortgage application). The average fee paid by our clients over the last year was 0.24% of their loan value. (For example, if your loan amount is £300,000 our average fee would be £720). If your circumstances are more complex we may charge a higher fee. Our maximum fee is 1.5% of the loan value. (For example, if your loan amount is £300,000, our maximum fee will be £4,500).

These fees apply to all regulated mortgages. Certain mortgages, primarily most buy to let and commercial mortgages, are not regulated. Fees for non-regulated mortgages can vary depending on your requirements and circumstances. Please contact us directly for more guidance.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

Your property may be repossessed if you do not keep up repayments on your mortgage.

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692.

John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.

The FCA does not regulate some investment mortgage contracts.

Calls may be recorded for training and monitoring.