ID needed for mortgage drawdown?

lucast2007us

Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.

Only real ID I have is the government id card.

Would I need a passport for the banks to issue the funds?

Browney7

lucast2007us wrote: »

Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.

Only real ID I have is the government id card.

Would I need a passport for the banks to issue the funds?

Just get a new passport no?

Atlantic Dawn

I'd say if it's the expired ID they have on file they will need a valid ID to satisfy themselves rather than AML regulations which would have been already satisifed.

lucast2007us

Browney7 wrote:

Just get a new passport no?

Mortgage offer only has a month left ( took ages for all the paperwork as was a bank sale) and wasn't sure if I would get a new one in time

Thomas

Apply straight away, you'll have it in two weeks.

Gumbo

Do it online. We done ours last year and had it back within a week.

Squatter

lucast2007us wrote: »

Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.

Only real ID I have is the government id card.

Would I need a passport for the banks to issue the funds?

Surely the cheque will issue to your solicitor?

stiofan85

This happened me. Broker flagged it before sale closed and had to get a new passport for drawdown. Couldn't get around it although in hindsight a drivers license should've sufficed I guess. He didn't give me that option and I just got a new passport.

listermint

Go apply today. You can get it on two weeks but you need to start the process immediately

The_Fitz

Renewed my passport online a few months ago. Was posted through my door 9 days later.

cruizer101

Why not just use the government ID?
Its a valid ID so no reason the bank shouldn't accept it.
I would contact them to confirm it first but no point applying for passport if you don't have to.

q85dw7osi4lebg

Mortgage approval in principal offer will be vaild for 6 months, loan offer letter will also be valid for a further 6 months.

Odyssey 2005

lucast2007us wrote: »

Mortgage offer only has a month left ( took ages for all the paperwork as was a bank sale) and wasn't sure if I would get a new one in time

Applied for my passport on a Saturday morning,on line ,came in the post on the Monday

Odyssey 2005

cruizer101 wrote: »

Why not just use the government ID?
Its a valid ID so no reason the bank shouldn't accept it.
I would contact them to confirm it first but no point applying for passport if you don't have to.

My local cu wont accept it as proof I'd !. I overheard a conversation between a teller and a customer over the phone,its a very large CU so I don't know their thinking behind this.

bellatrix1

Yes you need I'd to sign your loan offer and contracts with solicitor

lucast2007us

Thanks everyone guess my best bet is to do the online way.
Would I need to stand Infront of a white wall? As all my walls are either red or yellow ha

punisher5112

lucast2007us wrote: »

Thanks everyone guess my best bet is to do the online way.
Would I need to stand Infront of a white wall? As all my walls are either red or yellow ha

Get a white sheet or stick up white pages.

It can't be crinkled and must be very clear with no shadows.

Take on your phone while applying and it's that easy.

lucast2007us

punisher5112 wrote:

It can't be crinkled and must be very clear with no shadows.

Thanks once I try to upload the photo would it say there and then if it is acceptable??

Odyssey 2005

lucast2007us wrote: »

Thanks once I try to upload the photo would it say there and then if it is acceptable??

Yes. Wont let you apply until all the boxes are ticked. The picture is one of them.