We’re here to support you

We’ll be there to help you at every stage of your mortgage journey. If you’re happy to complete the forms yourself, you can apply online. Or, if you’d like advice, you can apply over the phone with our friendly mortgage specialists.

We’ve put together this helpful guide to explain each step of the application journey. And if you need more help, you can call our team.
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How to get a mortgage

Number 1

Get a Decision in Principle (DIP)

Get a Decision in Principle (DIP) to find out how much you could borrow. Choose how to get a DIP below.

You may need a DIP to make an offer on a home.  
Number 2

Apply for a mortgage

Complete a full application online or over the phone. 

If you have less than 10% deposit, you'll need to apply over the phone. 
Number 3

Get your mortgage offer

Once we’ve assessed your application and a valuation has been carried out, we can make you a mortgage offer. 

Your offer will be valid for 6 months.

Number 4

Complete

Once the legal work is complete, you’ll exchange contracts if you’re moving home. Or you’ll move to your new mortgage deal if you’re switching.
1

Get a Decision in Principle

A Decision in Principle (DIP) tells you if we can lend to you and how much you could borrow. 

Getting a DIP only takes about ten minutes. You can apply online, or you can apply over the phone with one of our mortgage specialists.
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2

Apply for a mortgage

If you’re buying a new property, you’ll need to have your offer accepted before you start your full mortgage application. 

If you’re remortgaging, you can begin your full mortgage application as soon as you have your Decision in Principle. 

You can complete a full application online for most mortgages. Or, if you’d like help from our mortgage specialists, you can apply over the phone. 
3

Get your mortgage offer

Once we have your mortgage application, we’ll arrange for the property to be valued. We’ll also complete a credit check – this will be recorded on your credit file.

You may also need to pay fees or provide us with extra information for your application. To help things go smoothly, reply to us quickly and pay fees on time.

Then we’ll finish processing your application. If you’re successful, we’ll send you a mortgage offer. Your offer will include the loan amount, the terms that we’ve agreed, and an illustration of your expected monthly payments.
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4

Complete

If you’re buying a property
Once the legal work is complete, you’ll exchange contracts and set a completion date. After the exchange of contracts, neither you nor the seller can pull out of the sale.

Completion is when the property is legally transferred from the seller to you. This is when you’ll get the keys to your new home. Sometimes completion happens on the same day that you exchange contracts. But you can complete up to 28 days later. 
If you’re remortgaging
Once you’ve accepted the mortgage offer, your conveyancer will take care of the remortgaging process. They’ll arrange for funds to be transferred from your new mortgage lender to your previous one, and for any extra funds to be transferred to you. 

A remortgage is complete once all the funds have been transferred. 

Your first mortgage payment

Your first mortgage payment is usually higher than your regular monthly mortgage payment because it includes initial interest. This is the interest charged from the day you complete to the end of that calendar month.

To help you budget for a higher first payment, we’ll send a letter to you three working days after completion confirming the amount you’ll need to pay.
Call us
Chat to our mortgage specialists about your options.
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9am to 1pm Saturday
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