Mortgage illustration redaction is the removal of personal data from an ESIS or key facts illustration. FCA MCOB governs the content and timing of such a disclosure. anonym.plus marks each item on your device, so the required cost tables stay intact while the personal fields go.
When this applies
The estimate names the applicant and projects the rate, fees, and repayments. You strip the identifiers before the form joins a benchmark or a sample.
How anonym.plus handles it
- Open the document in anonym.plus on your device.
- Local OCR reads a scanned, issued copy.
- The tool flags names, account details, and addresses.
- Keep the projected figures and the APRC you must show.
- Swap or black out the confirmed items.
- Save the clean copy locally.
What you need to provide
- The ESIS / illustration (PDF, DOCX, or scan).
- An operator (Replace keeps the estimate readable).
- Optional allow-list for the required figures.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | applicant Cole → [APPLICANT] |
| Identifiers | UK_NINO | QQ 21 55 90 C → [NINO] |
| Financial | UK_BANK_NUMBER | account ref → [ACCOUNT] |
| Money | MONEY | est. repayment → [AMOUNT] |
| Location | LOCATION | property address → [ADDRESS] |
| Dates | DATE_TIME | issue date → [DATE] |
Compliance achieved
- Keeps disclosure content required by FCA MCOB intact.
- Removes the applicant's identifiers for safe sharing.
- Offline work keeps the estimate off any server.
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Limitations & cautions
MCOB sets the content and timing for the illustration. Redact identifiers, not the required projected figures or the APRC. Retain a complete issued copy for your records.
Frequently asked questions
What must an ESIS show under MCOB?
MCOB requires the projected costs, the APRC, and key terms in a standard format. Redact the applicant's identifiers, not those required figures.
Will the projected costs survive?
Yes. Allow-list the required figures so they stay while names and the account reference are removed.
Is the issued illustration uploaded?
No. The app runs locally, so the form never leaves your device.