Starting your full mortgage application

We review and update our products regularly and would hate you to miss out on a product that's no longer on offer.

If you have a product in mind, we would encourage you to check that it's still available before you proceed.

Here is a list of fees you should be aware of. Please note that there may be additional fees depending upon your circumstances.

Fees to pay now

• Valuation fee
  The cost is dependent on the type of Survey you choose and property value.

Fees to pay later

• Product fee
  This is payable before we can make a mortgage offer and varies depending on your product choice. You may prefer to add your product fee to your loan rather than pay it up front. This is subject to affordability.

Some of our mortgage products offer incentives such as; Free standard valuation, Cashback (paid on completion), and Fee Assisted Legal Service. Check the product details for more information.

In order for us to process your application you must appoint a solicitor to act on your behalf. You don't have to choose one right away and can still submit your application without one. However, we will be unable to provide a mortgage offer until you have provided this information. Remember, if you are remortgaging, you will still need to appoint a solicitor.

Read our information and guide to appointing a solicitor

I already have a solicitor...
Great! Make sure you have their details to hand. It's a good idea to check that they are on our approved list of solicitors before you apply.

I need to appoint a solicitor...
We can help. As part of your application we will offer you access to over 200 approved solicitors. Choose the one that's right for you.

You can get a quote using our Conveyancing panel quote tool.

Survey
This is a report issued after an inspection of a potential property. It ensures that you are aware of any faults with the property and any additional costs you may need to pay after you move in.

Valuation
This provides a valuation of the property for the lender's benefit. It applies to mortgage applications for a new property purchase as well as a remortgage on an existing property.

What are my options?

• Standard mortgage valuation
  This provides us as the lender with a valuation for what the property is worth.
• Homebuyer Survey & Valuation
  This report looks mainly at urgent matters which may need attention and it includes a standard valuation. However it doesn't detail everything about a property.
• Building Survey
  A building survey is a detailed and comprehensive report to highlight faults and advise on any necessary repairs. Please note: we won't offer you the option of a building survey, as it doesn't include a valuation, but a building surveyor can advise you of the cost of taking out one of these surveys.

We will endeavour to get your application to a formal mortgage offer as quickly as possible. Here are a couple of ways that you can help us to ensure things go smoothly:

• Pay any outstanding fees as soon as you can.
  This will allow us to process your mortgage sooner. You can pay your fees as part of your application, and the earlier we receive your valuation fee the quicker we can get started.
• Where applicable we will ask for references and if we need to verify your identity we will contact you by email. The quicker you can respond the quicker we can continue to process your application.

Once you've submitted your application, if things change, contact us to make any changes.

I need more money or my loan amount has changed.
Get in touch to talk things through and we will provide a new lending decision based on a different loan amount, subject to affordability.

We understand things don't always go to plan.
If that happens, we will do our best to help you. Get in touch to talk things through.

Call us

0345 166 9510*

9am - 5pm Mon-Fri 9am - 1pm Sat

As part of the full mortgage application we complete a credit search which will leave a record on your credit file. You can find out more about credit checks by visiting Equifax