This website is for use by authorised intermediaries only. Existing customers should visit the customer site Customer site here

Guide to lending decisions

  • Provide as much information as possible: it all contributes to the credit score and could make the difference between a quick "Accept" and waiting for a referral.
  • We identity check your clients online.
  • We check your client's credit record online.
  • We aim to check and reply to referrals within 4 hours.
  • An Accept decision is subject to:
    • A satisfactory valuation of the property to be mortgaged.
    • The information provided remaining unchanged.
    • The information provided during the full mortgage application meeting

What you'll need for a lending decision

Mortgage Information

  • Purpose
  • Loan amount
  • Valuation / purchase price
  • Term

Applicant(s) personal details

  • Name, including previous / maiden surname
  • Marital status and dependants
  • Previous 3 years address - including length of time and residential status at each address
  • Nationality / leave to remain in UK if applicable
  • Date and place of birth

Employment information

  • Employment status and job type
  • Full or part time
  • Expected retirement age
  • Start date with current employer
  • Previous employment start and end dates if in current job for less than 3 months

Contact details

  • Home / work / mobile phone / email / fax
  • Preferred contact method and time

Financial

  • Bank accounts / credit cards
  • Previous / existing mortgages - rent received and/or mortgage payments
  • Income - annual basic or pension, overtime, commission
  • Extra income details
  • Anticipated retirement income
  • Arrears / CCJs / Bankruptcy / IVAs / Defaults / Possessions
  • Financial commitments e.g. loans, hire purchase, maintenance, school fees, other significant outgoings

HINT

  • The more you can tell us about your client's income, the more likely we are to give you an immediate lending decision.
  • We take all income sources into account, including overtime, bonus and commission.

What next?

Once you've submitted the information - you'll either get an instant Accept lending decision or the information will be referred to our underwriting team for review. Please wait to receive an Accept lending decision before completing a full mortgage application.

Manage preferences

Select the cookies that you are happy for us to collect in order to personalise and enhance your experience.

Your preferences will be valid for 12 months. You can review your choices at any time in your browser settings. To find out how to manage your cookies and what information is being collected read our Cookies policy

Cookies strictly necessary

Essential for the functioning of the website. These allow you to browse and navigate our site.

Performance (analytics) cookies

Used to understand how people use our website. These allow us to track users through the site so we can make informed decisions on improvements. These cookies don't collect information that identifies a visitor.

Advertising cookies

Used to try and understand which of our products and services are relevant to you.

Save changes