1 Create a caseWhat you'll need
Use our online application form with helpful guidance notes
2 Decision in Principle (DIP)What you'll need
Complete questions against affordability and lending policy and receive a DIP
Information about your client's:
- Mortgage requirements
- Personal details
- Employment and income
3 Credit check (recommended)What you'll need
An optional step to ensure your client's credit rating meets policy and provides an Agreement in Principle (AIP)
Your client’s permission will be required as this may affect their credit rating.
Any application fee paid (where applicable) is non-refundable and if the credit check is not completed the fee (where applicable) still applies. The application will only be progressed, and the product will only be secured, when the fee (where applicable) has been paid.
4 IllustrationWhat you'll need
Confirm product if not already chosen, and receive your illustration
- To assign the loan amount to each product for applications with multiple products
- Calculate the fees
5 Complete applicationWhat you'll need
Provide final additional information
Additional client information including:
- Employer details
- Property details
- Bank account details
- Legal representative’s details
6 Submit caseWhat you'll need
Submit the case with or without card details
- To check your application
- To submit with or without card details
You can submit your application without supplying card details, however, you will need to arrange for a separate payment of the mortgage fees (if applicable) at a later date.
The application will not be progressed and the rate will not be reserved until any outstanding fees (if applicable) are received.