Mortgage offer redaction is the removal of personal data from a binding offer document. FCA MCOB 6/6A governs the content of that commitment, and once accepted, the charge it creates becomes a registrable disposition under LRA 2002 s.27(2)(f). anonym.plus marks each item on your device, so the required terms stay intact while the personal fields go.
When this applies
The document names the parties and lists the rate, term, fees, and conditions MCOB 6/6A requires, ahead of the charge being registered against the title. You strip the identifiers before it enters a sample or training set, while the term tables stay exactly as issued.
How anonym.plus handles it
- Open the document in anonym.plus on your device.
- Local OCR reads a scanned, signed copy.
- The tool flags names, account details, and addresses.
- Keep the term tables and conditions intact.
- Swap or black out the confirmed items.
- Save the clean copy locally.
What you need to provide
- The document (PDF, DOCX, or scan).
- An operator (Replace keeps the tables readable).
- Optional allow-list for the required lending terms.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | borrower Ortiz → [BORROWER] |
| Identifiers | UK_NINO | QQ 50 88 22 C → [NINO] |
| Financial | UK_BANK_NUMBER | mortgage ref → [ACCOUNT] |
| Money | MONEY | advance £315,000 → [AMOUNT] |
| Location | LOCATION | property address → [ADDRESS] |
| Dates | DATE_TIME | issued date → [DATE] |
Compliance achieved
- Keeps the content required by FCA MCOB 6/6A intact.
- Notes that the resulting charge becomes a registrable disposition under LRA 2002 s.27(2)(f) once completed.
- Removes the borrower's identifiers for safe sampling.
- Offline work keeps the document off any server.
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Limitations & cautions
MCOB 6/6A requires accurate terms in a binding commitment. Redact identifiers, not the required term tables or conditions. Keep a complete signed copy for your compliance file — the register will only ever show the charge itself, not this document.
Frequently asked questions
What does MCOB require here?
MCOB 6/6A sets the required content for a binding mortgage offer, including the rate, term, and conditions. Redact the parties' identifiers, not the figures the rule mandates.
Will the term tables survive the pass?
Yes. Allow-list the required terms so they stay while names and the loan reference are removed, keeping the offer usable as a compliance record.
Does accepting the offer make it public?
Only the charge itself, once completed, becomes a registrable disposition under LRA 2002 s.27(2)(f) and appears on the title. The offer document you redact here never reaches the register.