Providing proofs

Important:

You should submit copies or scans of the original documents. Photos are acceptable, but you must submit them as a PDF, TIF or a JPEG. We don't accept mobile phone banking screenshots. If the submitted documents show a 16 digit PAN, please redact this information.

Please don’t submit proofs we haven’t asked for, as this may delay the progress of your case.

When applying for a mortgage with us, we may ask to see some proofs to help us confirm your clients' information such as:

Your clients' name and address
How much they earn
Proof of their deposit

You can provide these proofs on NFI Online once you’ve submitted your client’s application, and they've been requested. To speed up your application, make sure to get these proofs ready beforehand. This way you can attach the requirements straightaway.

Tip

Did you know there are a range of free scanning apps, such as Adobe Scan* that can also help save you time and improve the accuracy and quality of your case packaging.

Most scanning apps are free and easy to use, helping reduce the time it takes for your clients to get their mortgage offer. To download, please visit the appropriate App store for your device.

* Nationwide Building Society is not responsible for the content or accuracy of external websites.

Here are some details about the documents we'll need and what we're looking for. We may ask for other documents depending on your client's circumstances.

Acceptable ID and residency This will reveal additional content

Identification

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, please 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
Alternatively, please supply 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:

Type of proof	Acceptable ID
Acceptable proofs of name	UK based bank or building society postal statement* (dated within 42 days from when the document is uploaded to NFI Online). Internet banking, Nationwide Flex Accounts, Cheshire, Derbyshire and Dunfermline building societies statements aren't acceptable. Copy of a Driving licence paper/photocard (valid full/provisional UK or Northern Ireland) Valid UK/Foreign passport National ID Card (EEA countries only) HM Revenue and Tax Code Notice (less than 12 months old) Benefit Letter (from Government Organisation less than 12 months old) Employer’s ID Card – including Armed Forces Credit Card statement (less than three months old) - We won't accept store cards, online printouts, PDF copies, branch prints, mini statements and Nationwide statements. *Statements must be from a different source, i.e. a bank or credit card statement used for proof of name can't be from the same provider as a mortgage statement taken for proof of address.
Acceptable proofs of current address	UK based bank or building society postal statement* (dated within 42 days from when the document is uploaded to NFI Online). Internet banking, Nationwide Flex Accounts, Cheshire, Derbyshire and Dunfermline building societies statements aren't acceptable. Copy of a Driving licence paper/photocard (valid full/provisional UK or Northern Ireland) HM Revenue and Customs Tax Code Notice (less than 12 months old) Utility bill for gas, electricity or telephone, not mobile (less than three months old, internet statements aren't acceptable) Mortgage statement* (Nationwide, Cheshire, Derbyshire and Dunfermline building societies aren't acceptable), water bill or council tax bill (less than 12 months old, internet statements aren't acceptable) Benefit Letter (from Government Organisation less than 12 months old) Housing Benefit Letter (less than 12 months old) Credit Card statement (less than three months old) - We won't accept store cards, online printouts, PDF copies, branch prints, mini statements and Nationwide statements. Council tax bill (less than 12 months old) - We won't accept online statements Credit Union statement/passbook (less than three months old) Water bill (less than 12 months old) University/College letter (less than 12 months old) Building Society Passbook *Statements must be from a different source, i.e. a bank or mortgage statement taken for proof of address can't be from the same provider as a bank or credit card statement used for proof of name.
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	Acceptable proofs of "indefinite leave to remain in the UK" Copy of a valid/expired Passport containing endorsement/stamp for indefinite leave to remain in the UK or Copy of a Biometric Residence Permit See our table of visa proofs
Acceptable proofs of UK Residency for non-EEA Foreign Nationals - 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 Copy of visa/expired from our acceptable list (See our table for accepted Tier 1 and Tier 2 visas)

Income (including payslips) This will reveal additional content

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

Guides to support you

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.

Evidence of deposit This will reveal additional content

Read our source of deposit criteria, where you can find a list of our acceptable source of deposits and which proofs are required.

Bank statements This will reveal additional content

Please see below for the bank statements we'll ask you to provide.

Download our Bank statement guide

Bank statements can be requested for the following reasons:

1-3 month’s bank statements from main account are required to show salary fed payments and outgoings 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

Please submit copies or scans of the original documents. Photos are acceptable, but must be submitted as a PDF, TIF or a JPEG. If the documents being submitted show a 16 digit PAN, please redact this information.

Paper bank statements must show:	Online bank statements must show:
Customer(s) initial(s) or full name(s) Customer(s) full address Account Number and Sort Code All pages must be numbered and visible The required number of month's transactions showing Bank/Building Society logo visible Regulatory footer statement visible	Customer(s) initial(s) or full name(s) Account Number and Sort Code All pages must be numbered and visible The required number of month's transactions showing Statements provided in PDF format are acceptable

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

Documents in other languages This will reveal additional content

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 the contact number of the translator.
The translator is not a family member of the customer.

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

Sending your proofs to us:

Please don't submit anything we haven't asked for.
You can attach your required documents to NFI Online
We accept documents in PDF, TIF or JPEG format. Please ensure when uploading, that these aren't password protected.
For paper applications, please send any requested documents to NACMPOSUpdates@nationwide.co.uk
If you send us anything containing personal data outside of NFI Online, this should be encrypted. Contact us on Broker Chat if you need to do this.

Packaging support

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View our packaging guides

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Case tracking

Read our top tips to remember once you’ve submitted your application.

Read our case tracking top tips