Setting up and progressing your case

Registering with us

We are temporarily only able to complete new registrations with mortgage clubs, whilst we direct attention to our existing intermediary partners. If you’d like to join us we look forward to welcoming you soon. Please speak to your Specialist Lending Manager or check back here to find out when registration re-opens.


MHBS Intermediary Team

Submit a case

If you’re already one of our partners, then please submit your case, here is a checklist of some of the the things you may need to provide:

✓ Have all the documents been certified?

✓ Confirmation of applicant(s) identity

✓ Confirmation of applicant(s) address

✓ The most recent three months’ payslips – for employed applicant(s)

✓ Latest P60 (if applicable) – for employed applicant(s)

✓ Most recent mortgage statement(s)

✓ The most recent three months’ bank statements for all current accounts held in either joint or sole names

Current mortgage application process

1. Decision in principle

Decision in principle form to be completed for your case and sent to us (we won’t do a credit search at this stage).

2. Daily Credit Committee

Your case will be reviewed by our Credit Committee for agreement in principle.

3. Response

You will then receive a response with any terms and conditions put in place by the Credit Committee. You will also receive a European Standardised Information Sheet (ESIS) or an Information Sheet, with an application form and a list of requirements. We also provide easy-to-use checklists to outline documentation needed.

4. Application

The application form and key documents will be passed to our Processing and Underwriting Teams, once all are received. Underwriters may contact you directly if anything further is needed

5. Valuation

We will complete an AVM where possible or instruct a full valuation, if required, after the underwriter’s assessment has been completed

6. Offer

Once the application has been reviewed and a satisfactory valuation received, the offer will be issued

7. Completion

At this point funds will be released and the procuration fee paid within five working days.