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ID needed for mortgage drawdown?

  • 17-04-2019 8:16pm
    #1
    lucast2007us
    Registered Users Posts: 801 ✭✭✭


    Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.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


Comments

  • #2
    Browney7
    Registered Users Posts: 3,098 ✭✭✭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    Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.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?


  • #3
    Atlantic Dawn
    Registered Users Posts: 81,076 ✭✭✭✭Atlantic Dawn
    M


    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.


  • #4
    lucast2007us
    Registered Users Posts: 801 ✭✭✭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


  • #5
    Thomas
    Registered Users Posts: 168 ✭✭Thomas


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


  • #6
    Gumbo
    Moderators, Society & Culture Moderators Posts: 38,359 Mod ✭✭✭✭Gumbo


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


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  • #7
    Squatter
    Closed Accounts Posts: 1,841 ✭✭✭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    Hi there folks we got approved a mortgage and I have just noticed that my passport is out of date and don't currently have a driving license.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?


  • #8
    stiofan85
    Registered Users Posts: 505 ✭✭✭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.


  • #9
    listermint
    Registered Users Posts: 33,576 ✭✭✭✭listermint


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


  • #10
    The_Fitz
    Registered Users Posts: 329 ✭✭The_Fitz


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


  • #11
    cruizer101
    Registered Users Posts: 3,205 ✭✭✭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.


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  • #12
    q85dw7osi4lebg
    Closed Accounts Posts: 3,502 ✭✭✭q85dw7osi4lebg


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


  • #13
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭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


  • #14
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭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.


  • #15
    bellatrix1
    Registered Users Posts: 34 ✭bellatrix1


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


  • #16
    lucast2007us
    Registered Users Posts: 801 ✭✭✭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 :(


  • #17
    punisher5112
    Registered Users Posts: 24,647 ✭✭✭✭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.


  • #18
    lucast2007us
    Registered Users Posts: 801 ✭✭✭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??


  • #19
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭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.


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