Mortgage offer redaction is the removal of personal data from a binding offer document. FCA MCOB governs the content of such a commitment. 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. You strip the identifiers before it enters a sample or training set.
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 intact.
- Removes the borrower's identifiers for safe sampling.
- Offline work keeps the document off any server.
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Limitations & cautions
MCOB 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.
Frequently asked questions
What does MCOB require here?
MCOB sets the required content for a binding commitment, 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.
Is the signed paperwork uploaded?
No. The app is fully offline, so it stays on your machine.