Our case approach
We’re accepting enquiries and cases as normal during this busy time. Thank you for helping by ensuring applications are carefully packaged and supplied with all documentation.
Where your client might intend to complete during the current stamp duty holiday, we encourage you to direct your clients to speak to their legal adviser about planned deadlines. We are unable to make any guarantees around meeting the timescale.
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
✓ Who is the registered owner?
✓ How many individual advisers are there?
✓ Do you have a policy and procedures in place?
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.
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.
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
We will complete an AVM where possible or instruct a full valuation, if required, after the underwriter’s assessment has been completed
Once the application has been reviewed and a satisfactory valuation received, the offer will be issued
At this point funds will be released and the procuration fee paid within five working days.