- For paper-based applications, there is no need to pre register with us – we will automatically register you on receipt of your first case
- For on-line applications, you will need to register at the time of placing your first business on-line with us
- E- mortgages are available for all application types except shared ownership, guarantors, expats, commercial mortgages, additional borrowing, applications with more than 2 applicants, non UK addresses, non UK nationals and non UK residents
- Our emortgage service offers eKFI, DIP and FMA (full mortgage application)
- All applications are received into our ISU team. Our team make an initial assessment of the case, contact you with any queries and to confirm fee collection
- We call your client for payment of the fees by card before passing the application to our underwriters for processing
- After the underwrite you will get a welcome fax (for paper applications) or email (for online applications) advising anything extra that is required
- To help progress your cases smoothly please provide a fully completed application form and supporting documentation. Download a useful packaging checklist here
- We will obtain the references we need and a valuation report. We will contact you if any queries arise throughout the process
- You will receive a copy of the Offer at the same time it is issued to the customer, except for E Mortgages where you can view this on line.
Intermediary note:
Applications are only accepted from advisers in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire
Shared ownership applications are accepted for properties in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire and Hertfordshire
SUPPORTING DOCUMENTS
Please submit the following with your fully completed application (download a useful packaging checklist here):
- Completed Direct Debit Instruction
- Original or certified copy ID
- Application Fee and Valuation Fee if paying by cheque (fees can be paid by credit / debit card. We will contact your client for their card details before passing the application to our underwriters for processing)
- For employed applicants:
- Latest P60
- Latest 3 payslips
- For self employed applicants:
- 2 yrs accounts (certified / audited)
- 2 yrs SA302s, if accountant not suitably qualified
IMPORTANT NOTE ABOUT FEES
Our mortgage products have a non-refundable Application Fee which is payable upfront before the case is passed to our underwriters. The Valuation Fee will also be collected at the same time so we can arrange the valuation as soon as possible after underwriting.
Your clients can pay by debit or credit card or cheque. We will contact your client for their card details and collect the fees before passing the application to our underwriters for processing.
If for any reason your case does not proceed it may be possible to refund your Valuation Fee (if valuation has not been carried out). The Application Fee, however, is non-refundable.
