Acceptable mortgage identification
Helping with your application
In order to comply with money laundering regulations and to protect our customers from fraud, we are required to confirm the identity and address of every mortgage applicant. We are able to access credit reference agency databases which, in most cases, will allow us to proceed with your application without any paper-based identification. This will show as a search of the database only and not a credit score, so will not affect your credit rating.
If we do need further proof of identification, we will require one item from each of the two lists below.
We can accept photocopies of documents, if they are certified by a professional and you must provide their contact details. Professionals who can certify documents should not be family members. The photocopied document must be certified stating ‘Certified to be a true copy of the original and a true likeness of the applicants where applicable, of the original seen by me' with a signature, date, full name and occupation. The individual certifying the document must provide contact details if they were required to be contacted. Appropriate persons include: accountant, bank or building society official, local authority councillor, dentist, doctor, minister of a recognised religion, police officer, Post Office official, Solicitor or Teacher/Lecturer. Certification of documents must be within the last three months.
Items used as proof of identity cannot be used as proof of address.
Evidence of identity:
- A current signed passport;
- A current photocard driving licence (full or provisional);
- A valid old style UK driving licence;
- Recent evidence of entitlement to a state or local authority funded benefit (including housing benefit and council tax benefit), tax credit, pension, educational or other grant (no older than 12 months);
- A firearms certificate or shotgun licence;
- Biometric residence permit/Biometric residence card.
Evidence of address:
- A current photocard driving licence (full or provisional);
- A firearms certificate or shotgun licence;
- A valid old style UK driving licence;
- Recent evidence of entitlement to a state or local authority funded benefit (including housing benefit and council tax benefit), tax credit, pension, educational or other grant (no older than 12 months);
- Instrument of a court appointment (such as liquidator, or grant of probate);
- Current council tax letter/statement (no older than 12 months);
- Current bank or building society statement or passbook issued by a regulated financial sector firm in the UK, EU or comparable jurisdiction (we cannot accept any documents printed from the internet and they must be no more than three months old);
- Utility bill (recording the company that issued the bill and date of issue. We will not accept any printed from the internet and they must be no more than three months old);
- Inland revenue PAYE coding notice (P2) - current year or Inland
- Revenue Statement of Account - current tax year;
- Current council tenancy agreement;
- Solicitors completion letter/statement (must be less than 3 months old);
- UK mortgage statement (must be less than 12 months old).
Acceptable identification
Our customers say
- 7/7
"When I was looking for my mortgage I wanted a lender who was reputable and trustworthy. I was recommended to Tipton & Coseley by a member of the family.
"When I visited the Tipton for the first time I sat down with a Mortgage Adviser who listened to my needs and recommended a suitable product for me, they were very friendly and had a personal approach which gave me peace of mind as I knew I was being provided with a trustworthy service.
"I stay with the Society as they always offer me good rates and excellent customer service. I have always been provided with steady support and the Society helped me through some sensitive situations with comfort and help. You soon get to know the people you are dealing with, which helps to take the stress out of your mortgage.
"I always recommend the Society to my friends and family and will do in the future, I know many people have taken me up on my recommendation and have been equally as happy as I am."
Mrs Main, Mortgage Customer - 7/7
"I have been with the Tipton & Coseley Building Society for as long as I can remember.
"When I visited the Tipton I sat down with Gail, a Mortgage Adviser, who listened to my needs and was aware of what I was looking for and from this she was able to explain all my options to me. What I like about the Tipton is that you are spoken to in plain English, there isn't loads of mortgage jargon, making it easy to understand. Gail is always very friendly and has a very personal approach.
"I stay with the Society as I always receive excellent customer service and I enjoy the personalisation and the sales process is never pushy or rushed. My experience with the Society has allowed me to get a mortgage I am happy with and I know they are only at the other end of the phone if and when I need them.
"I always feel in safe hands and know that the Society understands my needs, everyone is very approachable and friendly making having a mortgage as stress free as possible.
"I would definitely recommend the Society to my friends and family."
Miss Savell-Boss, Mortgage Customer - 7/7
Originally, I was recommended to use T&C by Homebuyers Helpline (now merged with another company). Mortgaging a property can be an anxious time, but the whole process was smooth and professional. Since I have increased my borrowing, arranged through Craig, one of your Advisers, he has given an excellent, professional and speedy service through a very thorough process.
Unexpectedly, I have had an offer I could not refuse on my property even though it was not on the market. So now Craig is reviewing and helping the process of porting my mortgage to a new property I have had an offer accepted on. I am awaiting a decision on the application which again is being dealt with by a very pro-active Craig!
Mrs A Smith, Mortgage Customer - 7/7
We would highly recommend the Tipton and Coseley Building Society. They not only provide professional and efficient financial services, but their ethos provides approachable and person-centred customer care, which is rare to find.
They take great care to listen and understand your mortgage needs. We appreciated their personal service because you speak to the same adviser every time, getting to know who you are dealing with, which helps to make the mortgage application feel smoother. This personal approach helps you to feel safe in the knowledge you receive from them and it also helps you to gain confidence when choosing financial products to suit your needs.
We've leant so much about mortgages in the time we have been with them. They are a pleasure to deal with and nothing is too much trouble, even when your house move doesn't always quite go to plan! Having access to this kind of understanding and flexibility is really helpful because there will always be some challenges arise when moving home and customer care qualities can help to make it feel far less stressful.
We have made several home moves, and each time we have decided to stay with the Society because of their staff, products and service really are exceptional!
Mr and Mrs Hather, Mortgage Customers