Anti-Money Laundering Compliance 

https://www.99home.co.uk/Anti-Money-Laundering-documents-check-list/

Money Laundering Regulations 2007 updated as the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (referred to as “the Regulations” in this guidance) came into force on 26th June 2017.

https://www.legislation.gov.uk/uksi/2017/692/contents/made

99Home Ltd HMRC Anti Money Laundering Registration Number XLML00000125552

HMRC guidelines for Anti-Money Laundering Supervision: Estate Agency and Letting Agency Businesses

https://www.gov.uk/government/publications/money-laundering-regulations-2007-supervision-of-estate-agency-businesses

Access the National Crime Agency SAR Online System here: https://www.ukciu.gov.uk

As a mandatory exercise, 99home is subject to the "Money Laundering Regulations 2017" and therefore required to verify the identity of all clients before proceeding with any transactions. This includes

• Obtaining and holding identification and proof of address for all clients;

• Identifying any beneficial owners behind transactions;

• Requesting information regarding the source or destination of funds if required;

Kindly, note that without the above information, we will be unable to proceed with any work on your behalf.

To ensure compliance with regulatory requirements and facilitate a smooth transaction, we require verification of your identity and source of funds. Please refer to the lists provided below for acceptable documentation. We require original documents or certified copies for all submissions. Please be advised that 99home reserves the right to request further or additional documentation as deemed necessary to complete our due diligence process.

We will need one document from List A (Proof of Identity), one recent document from List B (Proof of Address) dated within the last three months, all applicable documents from List C (Source of Funds, for buyers only), and any relevant documents from List D (Additional Documentation, as applicable to your situation). 

LIST A: IDENTITY DOCUMENT (applies to Seller | Landlord | Buyer) 

• Valid signed passport, or;
• EU member state identity card, or;
• Current photo card driving licence (full or provisional), or;
• Armed Forces ID card, or;
• Firearms or shotgun certificate, or;
• Paper versions of current UK/EU Driver’s Licence, or;
• Identity card issued by the Electoral Office for Northern Ireland

LIST B: PROOF OF ADDRESS (applies to Seller | Landlord | Buyer)

• Utility bill/statement (must be issued within the last 3 months) or a certificate from a utility supplier confirming a pre-payment arrangement for services (excludes mobile phone bills) or;
• Current local authority tax bill (must be dated within the last 3 months), or; 
• Most recent original bank, building society, or credit union statement (you must cover/hide your account number and sort code, on all pages of the bank statement, and must be issued within the last 3 months), or;
• Bank passbook containing current address (must have been updated within the last three months), or;
• Local council or housing association rent card or tenancy,
• The most recent original mortgage statement (must be issued within the last 3 months) from a recognised lender, or;
• HMRC issued documents concerning tax matters such as; Tax Demand, Self-Assessment, PAYE Coding, and Tax Credit. A P60 or P45 is not acceptable as this is produced by the employer, or;
• State Pension or Benefits Book/Notification Letter, or;
• Home or motor insurance certificate, or;
• Solicitor's letter confirming house purchase,d or;
• NHS Medical card

LIST C: SOURCE OF FUNDS (applies to Buyer only)

• A mortgage agreement in principle document, and;
• Saving proof e.g. Recent bank statement (you must cover/hide your account number and sort code, on all pages of the bank statement)

LIST D: PROPERTY INFORMATION (applies to Seller I Landlord)

• EPC certificate, and;
• Land Registry Certificate (you can get it from https://eservices.landregistry.gov.uk), (must be issued within the last 3 months), and
• Home report (applicable to Scotland only)

*For Scotland: If you do not have your Land Registry Certificate, you need to obtain it from your solicitor. Once you get the certificate, please email us at verification@99home.co.uk

Additional Documentation for Specific Cases

Probate

If you are acting as a Representative of an Estate we will require the following documents

• Grant of Probate (if a Will was left) 
• Letter of administration (if no Will left)
• Individual identity evidence from List A for the personal representative, either executor or administrator
• Individual address evidence from List B for the personal representative, either executor or administrator

Limited company

If you are acting as a Representative of a UK Company we will require the following documents

• Certificate of Incorporation
• Articles of Association
• Memorandum of Association
• Latest Annual Return or Confirmation Statement, with details of current company officers
• If offshore, the nominee director declaration and a general power of attorney
• Individual identity evidence from List A for all individuals or entities with 25% or more of the shares or voting rights in the company
• Individual address evidence from List B for all individuals or entities with 25% or more of the shares or voting rights in the company

If you are acting as a Representative of an offshore company we will require the following documents

• 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 the steps above for the holding company and we will require the following documents

• Nominee director declaration and/or general Power of Attorney (if applicable)
• Individual identity evidence from List A for all individuals or entities with 25% or more of the shares or voting rights in the company
• Individual address evidence from List B for all individuals or entities with 25% or more of the shares or voting rights in the company 

If you are acting as a Representative of a Trust we will require the following documents

• Trust Deed
• List of Trustees
• List of Beneficiaries
• Individual identity evidence from List A for all individuals with a vested interest in 25% or more of the capital and/or those who exercise control over the Trust
• Individual address evidence from List B for all individuals with a vested interest in 25% or more of the capital and/or those who exercise control over the Trust

As a regulated profession, we are required by The Money Laundering Regulations 2017 to verify the identity of all our clients. To do this, we use an electronic verification system that checks your details against electronic data. This is not a credit check and will not affect your credit history. By signing this agreement, you consent to our use of AMLTEAM’s and other partners' verification services. AMLTEAM will check the details you provide against various databases to confirm your identity. They may also use this information in the future to help other companies verify identities. A record of the search will be retained. This electronic verification system is a more efficient and convenient alternative to traditional methods, which often require multiple utility bills and photographic IDs. We appreciate your cooperation in this matter.

How to Submit Your Documents

We recommend uploading your documents directly to our secure online system.  However, if you encounter any issues, please feel free to email them to us at verification@99home.co.uk as an alternative. By adhering to these regulations, 99Home Ltd ensures a secure, compliant, and transparent property transaction process for all clients.