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The applicationprocessexplained

From submitting your application to completing your mortgage, we're here to help every step of the way.

How the mortgage application process works

Our 5-step guide to approving your mortgage.

Step 1: You submit your application

Whether you're applying in branch, online or by phone, simply make sure you fully complete your application form and send us any relevant fees and documentary proof. This will make sure everything gets off to a smooth start.

Tip: see Our Lending Criteria for a full list of everything we need from you.

Step 2: We process your application

Once we receive your application, we will let you know as soon as possible if we can lend to you. Please note, we'll need to check your credit history and this will leave a footprint on your credit file.

If you applied in branch, your mortgage adviser will have explained the process in more detail.

If you applied online or by phone, we'll let you know if we need any more information. If we do, it would help speed up your application if you send all the documents together as we can't start processing until we have everything we need.

Tip: see our Privacy section for more information on credit checking.

Step 3: Your home is valued

Your property will need to be valued to ensure that it provides adequate security for the loan. If you have paid for a valuer to visit then we'll send you a copy of the valuation report.

Step 4: We keep you updated

We'll give you regular updates on the progress of your application so you always know what's going on.

Step 5: You receive an offer and complete your mortgage

Check the details of your offer carefully and let us know as soon as possible if we need to make any corrections or amends.

Important information

It's important for us both that you're able to repay your mortgage. So when we assess your application, we use the following two systems:

  • Our Lending Criteria


    These rules cover areas like; how much you can borrow, what type of property we'll lend on and over what period the loan must be repaid.
  • Credit scoring


    This helps us access your ability to repay your loan.

Something to bear in mind.

You have a legal right to know whether the information held about you by credit reference agencies is correct (we use Equifax Europe (UK) Limited). Details may be obtained by writing to Equifax Europe (UK) Ltd, Dept E1, PO Box 300, Glasgow, G81 2DT. You must include a fee of £2, and the addresses you have lived at for the past six years.

Check our Privacy and Security sections for more information.

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