What cannot be used to identify yourself in a mortgage application?

What cannot be used to identify yourself in a mortgage application?

• A. Passport
• B. Mobile phone bills
• C. Driving license
• D. Bank statements

Answer: (B)

Identity checks for a mortgage rely on documents that prove who you are. The strongest proof is a primary photo ID, such as a passport or a driving licence, because they show your photograph, full name, and date of birth, making it easy to confirm your identity. Bank statements can help verify your address and link you to your accounts, but they don’t by themselves confirm your identity in the same way a photo ID does. A mobile phone bill, while it may show your name and address, is generally considered weaker evidence for identity and is often not accepted as part of the identification package. So it cannot be relied on to identify you in a mortgage application.

Identity checks for a mortgage rely on documents that prove who you are. The strongest proof is a primary photo ID, such as a passport or a driving licence, because they show your photograph, full name, and date of birth, making it easy to confirm your identity. Bank statements can help verify your address and link you to your accounts, but they don’t by themselves confirm your identity in the same way a photo ID does. A mobile phone bill, while it may show your name and address, is generally considered weaker evidence for identity and is often not accepted as part of the identification package. So it cannot be relied on to identify you in a mortgage application.