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AML - KYC policy

Mandatory Checks and Due Diligence – Keeping Everyone Safe

Whether you’re buying, selling, renting, or letting a property in England, it’s essential we conduct legally required checks to confirm your identity and ensure that all transactions are lawful, transparent, and secure.

These processes fall under Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. Below, you’ll find exactly what we need from you, why we need it, and how this keeps the property industry safe.

 

 

Why These Checks Are Required

Property Hub Ltd is fully registered with HMRC as an AML-supervised business under the Money Laundering Regulations 2007.
AML Registration Number: XKML00000143895

As part of our regulatory duty, we must:

  • Confirm the identity of all parties involved in a property transaction.

  • Verify ownership of properties before marketing them.

  • Identify the source or destination of funds used in purchases or tenancies.

  • Prevent fraud, criminal financing, or money laundering.

These checks are mandatory and must be completed before we proceed with marketing, tenancy, sale or purchase activity.

 

 

What Documents Do We Need?

Depending on your role in the transaction (buyer, tenant, seller, landlord, company, trust), we will request different levels of documentation.

 

 

For Individuals (Buyers, Sellers, Tenants, Landlords)

We require one document from each of the following lists:

List A – Proof of Identity (Valid Photo ID)

  • Passport

  • UK Driving Licence (full or provisional)

List B – Proof of Address (Dated within 3 months)

  • Bank or building society statement

  • Utility bill (gas, electric, water – not mobile phone)

  • Mortgage statement

  • Council Tax bill

  • Tenancy agreement

  • Home or motor insurance certificate

  • NHS Medical Card

  • Solicitor’s letter confirming house purchase or land registration

List C – Property Ownership (if applicable)

  • Land Registry Title Register (Get it viaHM Land Registry)

  • EPC Certificate (Energy Performance Certificate)

 

 

If You’re Representing an Estate

You’ll need to provide:

  • Grant of Probate (if a will was left)

  • Letter of Administration (if no will exists)

  • Photo ID and proof of address for the personal representative

 

 

For Limited Companies (UK Registered)

If a company is buying, selling, or letting, we require:

  • Certificate of Incorporation

  • Articles & Memorandum of Association

  • Latest Confirmation Statement or Annual Return showing current directors

  • Identity and proof of address (List A & B) for any individuals owning 25% or more shares or voting rights

 

 

For Offshore Companies

In addition to the above:

  • Share certificates showing the ultimate beneficial owner (UBO)

  • Certificate of Incumbency (if applicable)

  • Nominee director declarations and General Power of Attorney (if used)

  • Full KYC documents (ID & address) for all individuals with 25%+ ownership

 

 

For Trusts

If acting on behalf of a trust, we will need:

  • Trust Deed

  • Names of all trustees and beneficiaries

  • KYC documents (ID & address) for all persons with 25%+ interest or control over the trust

 

 

Electronic Verification

To simplify and speed up the process, we use secure electronic identity verification powered by Experian.

  • This is not a credit check and will not affect your credit score.

  • It allows us to confirm your identity based on publicly available and financial data.

  • A record of the verification check will be retained in line with our GDPR policy.

By engaging with Property Hub Ltd, you agree to this electronic verification where applicable.

 

 

What Happens If We Don't Receive the Right Documents?

We cannot proceed with any sale, let, or purchase until these checks are completed. Delays in providing documents may:

  • Cause the loss of a sale or property

  • Result in the property being placed back on the market

  • Affect your ability to complete the transaction

 

 

Privacy & Data Protection

All documents provided are treated with strict confidentiality and stored securely in compliance with the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018.

We do not share your data with third parties except where legally required or for AML verification.

 

 

Need Help or Want to Send Your Documents?

If you have any questions or would like to securely send your documents, contact our compliance team:

info@propertyhubltd.com
 admin@propertyhubltd.com
 Property Hub Ltd, 38 Court Parade, East Lane, Wembley, HA0 3HS
 0208 903 1002