How Do I Verify an Overseas Landlord?

How do I verify an overseas landlord?

When a landlord is based overseas, Griffin performs enhanced verification checks to comply with anti-money laundering (AML) requirements. This applies to both individual and company landlords and carries an additional fee.

Note: verifying an overseas landlord relates to their identity checks only - it doesn't enable international payments. The Calmony Client Bank Account cannot send or receive international payments; payments to overseas payees can only be made to a UK bank account, a Wise.com EMI account, or a building society account.

Which countries are supported?

You can currently onboard individuals resident in the following countries and regions outside of the UK. Applications from residents of any country not listed here will be declined.

Europe: Albania, Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Lithuania, Luxembourg, Malta, Moldova, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine

Middle East: Israel, Jordan, Oman, Qatar, Saudi Arabia, United Arab Emirates

Asia: Armenia, Bhutan, Brunei Darussalam, Georgia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Malaysia, Singapore, South Korea, Taiwan, Thailand, Uzbekistan

Africa and the Atlantic and Indian Oceans: Botswana, British Indian Ocean Territory, Cape Verde, Egypt, Saint Helena, Seychelles

North and South America: Argentina, Brazil, Canada, Chile, Costa Rica, Ecuador, Falkland Islands, Guatemala, Guyana, Honduras, Mexico, Peru, South Georgia and the South Sandwich Islands, United States of America, Uruguay

Caribbean: Antigua and Barbuda, Bahamas, Barbados, Bermuda, Cuba, Curaçao, Dominica, Dominican Republic, Montserrat, Puerto Rico, Saint Vincent and the Grenadines

Oceania: Australia, Cook Islands, Fiji, New Zealand, Niue

Please note that Bulgaria is not currently supported, even though it is an EU member state. This list is based on Griffin's jurisdiction risk assessment and may change.

How to add an overseas landlord

1. Add the landlord as you normally would in Calmony, using their full legal name and personal home address, which is overseas (how to add/verify a landlord). If they're not a UK tax resident, add their tax identification number if required - see Adding a Tax Identification Number for a landlord. Check carefully for typos, as incorrect details are the main cause of declined applications.
2. Select Begin Calmony Verify. The system will detect the overseas address, flag the landlord for enhanced verification, and display a warning confirming that additional fees apply.
3. Complete the standard verification process: add any remaining details, then the landlord will receive an ID&V link to complete. Once done, Griffin will review the application.

Fees:

• Initial verification: £52.50 (one-off)
• Annual re-verification: £27.50

Annual re-verification applies if the payee is active - defined as having received or paid funds within the last six months.