Forms & Guides

We only accept business from selected lending partners – check our Register page for details and then complete our online registration form to get access to KFIs, Lending Decisions and our online application. We will email login details within 2 business days.  You can then start to submit your applications.

• Our lending decisions are valid for 28 days, so make sure you submit a mortgage application within this time, to avoid having to obtain a new lending decision.
• If your lending decision expires and you need to obtain a new one, please do not edit an existing one, you must start a new lending decision to avoid problems with the application.  This is easy if you use the “Copy to new DIP” option.
• The more information you include, the more likely we are to give an immediate Accept decision.
• It’s in the interests of you and your clients to provide full details to help us give you a better service.
• If new information comes to light later in the process, we may need to undertake a new credit check, which could result in a case being declined that was previously accepted.

• To reserve your product, complete a full mortgage application and pay any booking fee and valuation fee.
• An underwriter will assess the application and provide a list of documentation required in order to proceed further. Make sure you get all your paperwork to us in good time to receive your offer.
• If the application doesn’t go to offer in this time, you’ll lose any booking fee paid and the product/s selected if they’ve been withdrawn since application.
• We will start processing your application and undertake a valuation as soon as the fees have been paid (unless you let us know you wish to delay the valuation)
• Again, as for Lending Decisions, please ensure you include all relevant information. If new information comes to light, we may need to undertake a new credit check and recalculate affordability, which could result in a case being declined that was previously accepted.
• If you lose your product due to application or offer expiry and need to select a new product, you will need to pay a new booking fee if the product has one and a new valuation may need to be carried out.

• The fastest way of getting documents to us is to use the document upload facility which is available via your unique Broker Portal. It’s a simple and effective way of sending us all the paperwork we need.
• Once we’ve reviewed the initial documents, we may have queries or require further documents for your case to be “fully packaged” – if so we will let you know.
• Valuation delays or post-valuation queries can slow us down sometimes, but we will do our utmost to act swiftly for you.
• Offers are valid for six months. Please help us to get the case to completion in this time so that your client doesn’t lose any booking fees or products that might have been withdrawn since application.
• Offer extensions are not allowed as a general rule. A maximum extension of 10 days may be considered if solicitors write and explain the reason and completion has been set within the next 10 days. This must be done in writing prior to offer expiry.

You will receive a call from one of our team when your case is assessed at Initial Assessment stage.  You will also receive e-mails at specific stages of the life of the application, e.g. valuation instructed, valuation report received, mortgage offer issued etc.

A letter setting out all outstanding information needed will be sent to you following the initial call detailing our requirements in full with an explanation of what we are looking for.

You can also track the application through your unique Broker Portal which will show all items that we require from you.

You can also upload documents directly to the case and this is the simplest and most effective method of updating us.

Our service standards are published on our home page and if we fall behind, we will update our website to let you know.