Further to my enquiry. I approached Raisin & Flagstone because of their favourable rates. They said no can do. Spoke with the other mainline banks, they said no. Spoke to my own bank, they sort of winked at me and said carry on know one will know. I've got income coming in pensions, property rent, of which I pay HMRC annually. I suppose I could use a close pals address for correspondence.