Providing proofs

We must approve identification for all mortgage applicants. You may be asked to provide evidence to confirm your clients name and address. Where this is requested, you must see the original document before providing us with a copy.

UK and European Economic Area Nationals

If requested, supply one document from the UK Photo ID list below:

• Copy of a valid full UK Passport
• Copy of a valid full UK Photocard Driving Licence
• One document from the proof of name list and one different document from the proof of current address list.

For your client to proceed with their application we may require the following acceptable forms of ID:

Acceptable proofs of name

• Copy of a UK or Northern Ireland driving licence
  • Full or provisional; paper or photocard
• Valid UK/Foreign passport
• National ID card from an EEA country
• HM Revenue and Tax Code Notice issued within the last 12 months
• Benefit letter from a government organisation issued within the last 12 months
• Employer's ID Card, including Armed Forces

Acceptable proofs of current address

• UK based bank or building society postal statement from a different provider to any bank or credit card statement used for proof of name
  • The statement must be dated within 42 days of being uploaded to NFI Online.
  • We don't accept Internet banking statements, Nationwide Flex Accounts, or statements from Cheshire, Derbyshire and Dunfermline Building Societies.
• Copy of a UK or Northern Ireland driving licence
  • Full or provisional; paper or photocard
• Gas, electricity or telephone utility bill
  • Must be less than three months old
  • Mobile phone utility bills and internet statements aren't acceptable
• Mortgage statement from a different provider to any bank or credit card statement used for proof of name
  • Statements from Nationwide, Cheshire, Derbyshire and Dunfermline Building Societies aren't accepted
  • Water bills or council tax bills older than 12 months, or online versions, aren't accepted
• Credit Card statement issued within the last three months
  • We won't accept store cards, online printouts, PDF copies, branch prints, mini statements and Nationwide statements.
• Council tax bill issued within the last 12 months
  • Online statements are not accepted
• HM Revenue and Customs Tax Code Notice issued within the last 12 months
• Benefit letter from a government organisation issued within the last 12 months
• Housing Benefit Letter issued within the last 12 months
• Credit Union statement or passbook issued within the last three months
• University or college letter issued within the last 12 months
• Building Society Passbook

Acceptable proof of name for non-EEA Foreign Nationals

• Valid passport

Acceptable proofs of UK Residency for non-EEA Foreign Nationals

With indefinite leave to remain in the UK

• Copy of a Biometric Residence Permit or
• Copy of a valid/expired Passport
  • must contain an endorsement/stamp for indefinite leave to remain in the UK

Read more on guidance for 'indefinite leave to remain in the UK'

Without indefinite leave to remain in the UK

• Copy of a Biometric Residence Permit/card or
• Copy of a Family of a Settled Person Visa or
• UK Ancestry Visa

Read more on guidance for 'without indefinite leave to remain in the UK'

See below for the type of income and proofs we'll accept.

• Employment income
• Self-employed income
• Other income
• Benefit income

Guides to support you

• A guide to our HMRC Tax Calculation & Tax Year Overview requirements (PDF, 317KB)
• Guide to our current account statement requirement (PDF, 88KB).
• Payslip requirement guide (PDF, 47KB)

We'll seek to validate your client's income using credit bureau information, if we can successfully do this, we won't request to see any proofs.

Bank statements can be requested for the following reasons:

• 1-3 month's bank statements from main account are required to show salary paid directly into their account and outgoings from their account history.
• 3 months' bank statements are required to show rental income from a Buy to Let and the mortgage payment going out. They are also required to evidence maintenance.

Statements can also be requested to provide evidence of deposit:

• UK savings account and savings held in an EEA bank account: 1 months bank statement to be provided
• Savings held in a non-EEA bank account: 3 months' bank statements to be provided

Paper bank statements must visibly show:

• Customer(s) initial(s) or full name(s)
• Customer(s) full address
• Account Number and Sort Code
• All pages which must be clearly numbered, including any cover pages for postal statements.
• The required number of month's transactions
• Bank/Building Society logo
• Regulatory footer statement

Online bank statements must visibly show:

• Customer(s) initial(s) or full name(s)
• Account Number and Sort Code
• All pages which must be clearly numbered
• The required number of month's transactions

We'll accept statements provided in PDF format. You don't need to provide online statements with full address displayed.

Download our current account statement requirements guide (PDF, 87.9KB)

Note: we'll review applications on a case by case basis, where applicants' bank statements show excessive or persistent use of overdraft facilities.

We'll only accept documents in languages other than English if they've been translated into English by an independent translator and if:

• you have captured the firm or name of the translator, their address and contact number.
• the translator is not a family member of your client.

You must retain a copy of the original and the translated document on file. 

Read our source of deposit criteria, where you’ll find a list of acceptable source of deposits and the proofs required.