IDENTIFICATION REQUIREMENTS

ALL YOU NEED TO KNOW ABOUT MONEY LAUNDERING REGULATIONS AND HOW THIS AFFECTS YOU
If you’ve been asked to provide identification this is because by law all landlords and letting agents are subject to the Money Laundering Regulations 2007 and the Proceeds of Crime Act 2002 and are obliged by law to do this. As a result, we will need to ask you for suitable identification and will be unable to proceed with any work on your behalf.

WHAT IS MONEY LAUNDERING?
Money laundering is where criminally obtained money or assets are exchanged for ‘clean’ money, i.e. the process of taking the proceeds of criminal activity and making them appear legal. Property transactions are a target so all relevant businesses must have appropriate anti money laundering (AML) systems in place.

HOW DOES THIS AFFECT YOU?

INDIVIDUAL TENANTS
Tenants are required to provide the same ID documents as below, however, in order to complete a “Right to Rent” check prior to granting a tenancy, only original documents can be accepted. Where applicable, you may also be asked to prove the source of funds, especially any cash payments or funds transfer from oversea.

LIMITED COMPANIES
If you are acting as a representative of a UK Company we will also require the following:
Certificate of Incorporation
Articles of Association
Memorandum of Association
Latest Annual Return or Confirmation Statement, with details of current company office.
Individual identity evidence from List A and B below for all individuals or entities with 25% or more of the source of shares or Voting Right in the company
If you are acting as a representative of an Offshore Company we will require the following:
Certificate of Incorporation
Articles of Association, Memorandum of Association, Latest Annual Return with details of current company officers, Share Certificate(s) showing the Ultimate Beneficial Owner OR
Certificate of Incumbency
If the shares are owned by another company, repeat steps above for the holding company
Nominee director’s declaration and/or general Power of Attorney (if applicable)
Individual identity evidence from List A and B below for all individuals or entities with 25% or more of the shares or voting right in the company

TRUST
If you are acting a Representative of a Trust we will also require the following:
Trust Deed
List of Trustees
List of Beneficiaries
Individual identity evidence from List A and B below for all individuals or entities with 25% or more of the capital and/or those exercise control over the Trust

ACCEPTABLE DOCUMENTS FOR ‘RIGHT TO RENT’ CHECKS?
From the 1st February 2015, Landlords and letting agents must ensure that tenants have the “Right to Rent” before renting properties to them.
As a landlord in England and Wales, we are exposed to a civil penalty if our tenants are discovered not to have the right to rent. As of 1st February 2015, landlords must determine a new tenant’s immigration status before the start of a tenancy.
In the majority of cases, checking a tenants’ passport may be sufficient; any British Citizen or holder of an EEA passport has the right to rent in the UK, but where this isn’t the case, here is a comprehensive list of all acceptable documents.

ACCEPTABLE DOCUMENTS PROVIDING EVIDENCE OF A RIGHT TO RENT
If you are acting a Representative of a Trust we will also require the following:
A passport (current) showing that the holder is a British Citizen or a citizen of the UK and Colonies, having the right of abode in the UK.
A passport or national identity card (current) showing that the holder is a national of the European Economic Area or Switzerland.
A registration certificate or document (current) certifying or indicating permanent residence issued by the Home Office, to a national of a European Union country, a European Economic Area country, or Switzerland.
A permanent residence card, indefinite leave to remain card, indefinite leave to enter card or no time limit card issued by the Home Office (current), to a non-EEA national who is a family member of an EEA or Swiss National.
A biometric document issued by the Home Office to the holder indicating that the person named is allowed to stay indefinitely in the UK, or has no time limit on their stay in the UK. The document must be valid (not expired) at the time the right to rent check is made.
A passport or other travel document (current) endorsed to show that the holder is: exempt from immigration control, allowed to stay indefinitely in the UK, has the right of abode in the UK, or has no time on their stay in the UK.
A current immigration status document containing a photograph issued by the Home Office to the holder with an endorsement indicating that he name person is permitted to stay indefinitely in the UK or has no time limit on their stay in the UK. The document must be valid (not expired) at the time the right to rent check is made
A certificate of registration or naturalisation as a British Citizen.
If the tenant provides a combination of any two of these documents, they will not require repeat checks:
A full birth or adoption certificate issued in the UK, the Channel Islands, the Isle of Man or Ireland, which includes the name(s) of at least one of the holder’s parents or adoptive parents.
A letter issued within the last 3 months confirming the holders name, issued by a UK government department or local authority and signed by a named official (giving their name and professional address), or signed by a British passport holder (giving their name, address and passport number), or issued by a person who employs the holder (giving their name and company address) confirming the holder’s status as an employee.
A letter from a UK police confirming the holder is a victim of crime and personal documents have been stolen, stating the crime reference number, issued within the last 3 month.
Evidence (identity card, document of confirmation issued by one of HM forces, confirmation letter issued by the Secretary of State) of the holder’s previous or current service in any of HM’s UK armed forces.
A letter from HM Prison Service, the Scottish Prison or the Northern Ireland Prison Service confirming the holder’s name, date of birth, and that they have been released from custody of that service in the past 6 months; or a letter from an officer of the National Offender Management Service in England and Wales, or from an officer of a local authority in Scotland, or from an officer of the Probation Board for Northern Ireland, confirming that the holder is the subject of an order requiring supervision by that officer.
A letter from a UK further or higher education institution confirming the holder’s acceptance on a current course of studies.
A current full or provisional UK driving license (both the photocard and paper counterpart must be shown).
A current UK firearm or shotgun certificate.
Disclosure and Barring Service certificate issued within the last 3 months. Benefits paperwork issued by HMRC, Local Authority or a Job Centre Plus, on behalf of the Department for Work.