Before your reservation can be completed, we need to carry out Anti-Money Laundering (AML) checks.

To make this process as safe and convenient as possible, we normally use Thirdfort, a leading third party provider of ID checks. Occassionally, we might ask one of our selling agents to carry out the checks using their own Anti-Money Laundering process. If this happens, the application you use may be different, but the checks and supporting evidence required will be the same as our own requirements.

Thirdfort provides a secure app based solution that allows clients to remotely verify their identity, taking away the need for you to bring in or send in ID documents. The app is available on both smartphones and tablets, but Thirdfort can offer alternative solutions if needed. 

Thirdfort will need 6 months bank statements and a form of acceptable ID, but below is a list of example documents that may be requested: 

1. One form of photographic identification, from the following:

  • Valid passport
  • Valid driving license
  • Valid firearms license

2. Proof of address, from the following:

  • Utility bill (dated within the last 6 months)
  • Bank/Building Society statement (dated within the last 3 months)
  • Most recent mortgage statement
  • Driving license (cannot be used if already presented as photo ID)
  • Council tax bill
  • Bank or Building Society official
  • Doctor/ Dentist
  • Chartered Accountant
  • Solicitor
  • Teacher/ Lecturer
  • Independent Financial Advisor
  • Post Office certification

3. Proof of funds

Whether or not you are using a mortgage to buy your home, we are required to secure proof of where your funds have come from. This might be from the sale of a previous property, money gifted to you, or through the sale of other items, shares, cryptocurrencies etc, but you will need to prove (with the relevant statements) how that money came to you.

If you are using a mortgage to buy your home we will need to see a mortgage agreement in principle (AiP) along with proof of your deposit, which may be a bank or building society statement.

If you are using proceeds from the sale of an existing property to form your deposit or purchase your new home without a mortgage, we will need to see:

  • A copy of the memorandum of sale for your existing/recently-sold property
  • A current mortgage statement, or
  • In the event there is no outstanding mortgage, we will require a mortgage redemption statement or the Title from HM Land Registry

If you are being gifted your deposit we will need to see the following from those who are gifting the deposit*

  • A letter confirming that the deposit has been gifted to you - this letter needs to state the amount being gifted, and needs to be signed by the person gifting the deposit
  • Proof of the deposit, which may be a bank or building society statement
  • Identity checks in accordance with step 1 and 2

*If monies sit within a joint account, then we will require to carry out due diligence identification checks for both parties