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We aim to provide all the information you need to know here. If there's anything you can't find call our Intermediary Support Team on 0345 845 0110.
If we cannot complete electronic verification, we need to ensure that the customer is who they say they are from documents which confirm their identity and where they live.
Depending on the type of verification document provided, the customer will need to provide either one or two documents. FCA registered firms must ensure that documentation relied upon to verify aspects of a customer's identify is copied and retained. Sufficient and accurate information must be recorded on our application system. You must also correctly indicate if the case is face to face or non face to face.
We reserve the right to request copies of identity documents.
Two separate documents must be provided to verify the customer's name, residential address and date of birth.
Documents must be originals and can only be used once throughout the whole process; i.e. used once for either address verification or for identification.
Our Foreign National Policy applies to applicants from outside the EU/EEA. The following restrictions apply:
We only accept income paid in sterling.
For certified documents, the following details must be included to satisfy certification requirements:
If we ask you to provide ID documents, you must ensure that the following is present to satisfy certification requirements. This must be recorded by the FCA Registered Mortgage Intermediary:
Documents must be certified by an FCA registered mortgage intermediary.
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Information within this site is intended for UK authorised and regulated financial
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should not be relied upon by any other person. If you are not an adviser please
return to our consumer site.
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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.
Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.
HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.
Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.