Which item is an acceptable form of identification for a mortgage application?

Which item is an acceptable form of identification for a mortgage application?

• A. Passport
• B. Mobile phone bills
• C. Birth certificate
• D. Driving license

Answer: (D)

Identifying a borrower for a mortgage relies on a government-issued photo ID to confirm who you are. A driving licence is a standard form of photo ID in the UK and is widely accepted by lenders because it shows your photo and name, and often your current address. This makes verification straightforward and helps satisfy both identity and address checks in one document. While a passport also provides photo ID, and lenders may accept it, the driving licence is the most common choice in many mortgage applications for its combination of identity details and ease of verification. A birth certificate does not include a photo and isn’t used as primary identification in this context, and a mobile phone bill only proves address, not identity.

Identifying a borrower for a mortgage relies on a government-issued photo ID to confirm who you are. A driving licence is a standard form of photo ID in the UK and is widely accepted by lenders because it shows your photo and name, and often your current address. This makes verification straightforward and helps satisfy both identity and address checks in one document. While a passport also provides photo ID, and lenders may accept it, the driving licence is the most common choice in many mortgage applications for its combination of identity details and ease of verification. A birth certificate does not include a photo and isn’t used as primary identification in this context, and a mobile phone bill only proves address, not identity.