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Identification requirements

Why we ask you to provide identification

We require proof of your name and address before we can make a mortgage offer. This is to protect you against the risk of identity fraud and also allows the Society to comply with money laundering regulations. We need to see your identification (ID) before we can make you a mortgage offer.

More about the documents you need to provide

You need to provide two forms of ID for each applicant:

  • One item from group A, to confirm who you are
  • One item from group B, to confirm your name and address

ID can be used either to confirm who you are, or your name and address, not both. For example, you cannot use a driving licence to confirm who you are, as well as your name and address. Please refer to the table below for suitable identification.

When you should provide original documents or certified copies

  • Providing ID in a branch
    If you are applying for a mortgage at a branch then certified copies of ID will not be accepted. You must provide original documents to prove who you are and your name and address
  • Providing ID by post
    If you are applying for a mortgage over the phone or online and are posting your documents to us, please send certified copies, as the Society cannot be held responsible if originals are lost in the post. Failure to submit the correct certified ID will mean that your mortgage application will not be processed

Group A - to confirm who you are
Passport - current, valid and full Northern Ireland electoral identity card
Full or provisional UK photocard or paper driving licence (must be current and valid) Firearms certificate
EEA photocard driving licence (must be current and valid) EEA member state identity card




Group B - to confirm your name and address
Full or provisional UK photocard or paper driving licence (must be current and valid) Council tax bill - less than 3 months old
House insurance certificate Utility bills (i.e. gas, electricity, water) or cable/satelite/phone bill (excluding mobile phones) - less than 3 months old and not printed off the internet
Bank/building society investment related statement - less than 3 months old and not printed off the internet. Those issued by the Coventry are not acceptable Northern Ireland electoral identity card
Bank/building society mortgage statement - less than 3 months old and not printed off the internet. Those issued by the Coventry are not acceptable  



Certified copies of identification for new mortgage applications

All documents used for verification must be originals or certified copies of documents that were originally printed at source and posted to your address. Copies cannot be printed from the internet. Certified copies of identification must have been certified within the last 12 months.

Who can certify documents?

Copies of original documents can only be certified by one of the following: solicitor, teacher, engineer, accountant, surveyor, police officer (serving or retired), bank or building society manager, minister of religion, Justice of the Peace, independent financial advisor, post office official (postmaster/sub-postmaster), doctor, fire service official, officer of the armed services (serving or retired), nurse, dentist, chemist, optician, civil servant.

Copies of your original documents should be certified using the following words - 'I confirm that I have seen the original document'. The certifier must sign their name and include the following details - full name, profession, company address, phone number and date.

If you have a non-UK passport or EEA identity card, this must be certified by a UK bank or building society manager, solicitor or embassy official only. Non-EU nationals must provide a passport with a valid Visa that shows indefinite leave to live and work in the UK.

The person certifying should be in current employment, but we will also accept certification from a person who has retired, provided they still hold the qualification (and are a member of the relevant institute). The person certifying must be based in the UK.

The person certifying must not be related to you in any way i.e. they must not be your husband, wife, brother, sister-in-law, and they must not be named as a joint applicant for the new mortgage you are applying for. You cannot certify your own identification.

Coventry Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number 150892 www.fca.org.uk). This site is intended for UK residents only. Coventry Building Society. Registered Office: Economic House, PO Box 9, High Street, Coventry CV1 5QN.

Our advisors are available Monday to Friday 8am-8pm, Saturday 9am-5pm, Sunday 10am-4pm, telephone self-service is available 24 hours a day, 365 days a year. Contact your service provider for details of call charges, as costs may vary. Find out why we use an 0845 number here. To maintain a quality service, calls made to and from Coventry Building Society may be monitored and recorded.