Mortgage illustration redaction is the removal of personal data from an ESIS or key facts illustration. FCA MCOB 5/5A governs the content and timing of that pre-application disclosure, and MCOB 10/10A sets the methodology behind the APRC figure it must show. 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 that disclosure requires, with an APRC calculated under the same rules. You strip the identifiers before the form joins a benchmark or a sample, keeping every required figure in place.
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 5/5A intact.
- Keeps the APRC calculated under MCOB 10/10A unchanged.
- Removes the applicant's identifiers for safe sharing.
- Offline work keeps the estimate off any server.
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Limitations & cautions
The disclosure rule sets the content and timing for the illustration, and a separate FCA rule governs how the APRC is worked out. Redact identifiers, not those required figures. Retain a complete issued copy for your records.
Frequently asked questions
What must an ESIS show under MCOB?
That rule requires the projected costs and key terms in a standard format, issued at a set point before the applicant commits. Redact the applicant's identifiers, not those required figures.
How is the APRC worked out?
A separate FCA rule sets the calculation methodology for the Annual Percentage Rate of Charge shown on the illustration, so lenders present cost on a comparable basis. That figure stays untouched; only personal data is removed.
Is the issued illustration uploaded?
No. The app runs locally, so the form never leaves your device, and every required figure on it stays exactly as issued.