Before you begin an application, it’s worth taking some time to find out all the available options, so you’ll be better prepared and more informed when you’re ready to apply. We’re available in branch, over the phone and online so whichever stage of the process you’re at, there’s always someone on hand to help. You can complete your application online without advice, or you can speak to a mortgage adviser in one of our branches or over the phone.
The first question you’ll want an answer to is ‘can I get a mortgage?’ so the first step to a mortgage with us is obtaining a lending decision or ‘Approval in Principle’. Using our online Approval in Principle form, we can tell you in just 10 minutes whether or not we would be able to lend to you and if so, how much.
Before you embark on an application you should refer to our mortgage lending criteria, which tells you how we decide who to lend to. We also have information on how your income and expenditure affect your ability to obtain a mortgage. You should also refer to our borrowing and repayment calculator to check how much a mortgage might cost you.
As soon as you’ve obtained a successful lending decision and you have chosen a property you’d like to purchase, you’re ready to move onto your full application. We’ll need to take a few more details about your employment and finances and you will have an opportunity to select a suitable mortgage deal from our range.
It’s a good idea to refer to our information on our fees and charges as well as guidance on getting a mortgage valuation and survey on the property. You will also need to provide us with the name of the solicitor or legal advisers acting on your behalf.
Remortgaging is the process of paying off your existing mortgage and switching to a new lender. We have a number of remortgage deals available for new customers and a simple process for applying for a new mortgage.
Our guide to remortgaging provides you with the key facts you need to know before starting your remortgage application, including how to make sure you’re getting the best deal and how the remortgage process works.
We’re here to help at each stage of your mortgage application. So if you need to know what’s happening on your application or who to speak to at any stage, details can be found below.
Speak to one of our friendly mortgage advisers about your options