Criteria & Verification
Criteria
Our Lending Criteria is summarised in the following guides:
Providing Documents
We accept scanned copies of original documents for verifying identity, residence or income as appropriate.
Simply attach the document to an email and state "I have seen the original and certify that this is a true likeness and is the certified true copy of the original". Your team's email address can be found here.
Certified copies of documents may also be posted.
Verifying your client's identity & address
Under Money Laundering Regulations, we have an obligation to verify the identity of new customers applying to open a mortgage account with us. Evidence is required from both applicants in the case of a joint application.
We'll check your client's identity and address electronically with credit reference agencies. In the majority of cases, you won't need to do anything else. Occasionally, we will need to ask you to confirm you have verified your client's identity. In a few cases further evidence will be required.
Evidence of identity
- Current signed passport
- Current EU or UK (full/provisional) photocard driving licence or full/provisional UK driving licence
- EU member state ID card
- Signed employer photo ID card
- Armed forces ID card
- Resident’s permit for EU national on sight of own country passport
- Firearms certificate
- Inland Revenue Tax Notification
- Benefit book or original notification letter confirming rights to benefit
Evidence of address
If we require evidence of your client's address you will need to send us a copy of a suitable document, for example recent utility bills and bank statements.
