Setting up and progressing your case
Register
If you’re not already on our panel, please register with us. Here is a checklist of some of the things you will need:
- FCA Registration Number
- Location
- Who is the registered owner?
- How many individual advisers are there?
- Do you have a privacy policy and procedures in place?
- Professional Indemnity certificate
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
Application process
Case Hub is our online application system for efficient processing of your mortgage cases. With your own user ID, you can access it anywhere and at any time along with receiving regular updates. You’ll also benefit from our proactive and personal touch, including direct access to your dedicated case underwriter who will keep you updated throughout. Our experienced team members are just a phone call away on 01858 412345.
2. Decision in principle
Complete a DIP on Case Hub – a soft credit search will be carried out at this stage. No footprint will be left.
3. Credit Committee
Our daily Credit Committee led by our CEO review each case on its own merits. You’ll be provided with an agreement in principle.
4. Decision update
You’ll receive an update via email, inviting you to log back in. The updates will include; confirmation of the rate, any terms and conditions put in place by the Credit Committee, and if any additional documents are needed. You can continue the application and generate either a European Standardised Information Sheet (ESIS) or Information Sheet.
5. Application
When you’re ready, submit the application and a copy will automatically be sent to your clients for them to electronically sign via Docusign. Once completed, and the application documents and fees are all received, it will be passed to our Processing and Underwriting teams.
6. Valuation
We will complete an AVM where possible or instruct a full valuation after the underwriter’s assessment has been finalised.
7. Offer
Once the application has been reviewed and a satisfactory valuation received, the offer will be issued.
8. Completion
Funds will be released and the procuration fee paid within seven working days.
Get in touch
If you have any questions or would like to talk to us about your case, please give our award-winning team a call on 01858 312345 or click here to find the contact details for your nearest BDM.
