After I’ve applied, what happens next?

After you've started your mortgage application, we'll move through the following process to set up your mortgage.


  1. You make your full application
    Whether you started your application online, by speaking to one of our Mortgage Advisors over the phone or by visiting a Mortgage Advisor in your branch, your application will start the same way. At this point we'll confirm whether we're able to proceed with your application.

  2. We issue your mortgage pack
    When we've confirmed that we can proceed, we'll issue your mortgage pack. This will include a copy of the Mortgage Illustration you accepted, a summary of the information you've given us and a request for documents that we'll need to see.
    Processing of your mortgage application will commence on the next working day.

  3. We process your application
    When we begin to process your application we'll:

    • check the details which have been keyed

    • process any fees that need to be paid contact you to request any additional or outstanding information or documentation

    • instruct the property valuation

    If we've requested to see any documentation, it'll speed the process up if you're able to take it to your local branch as soon as possible.

  4. We arrange for the property to be valued
    While we're processing the rest of your application, we'll make arrangements for a valuer to value the property. The valuer will contact the people who have access to the property to make an appointment to carry out the valuation. The valuation can impact on the loan-to-value of your new mortgage and may in turn affect the products you're eligible for.

  5. Your mortgage offer is issued
    When we've got all the documentation we require, along with the valuation report, we'll make our lending decision for your mortgage. If we approve your application, we'll then issue copies of the mortgage offer to you and your conveyancer.

  6. Your mortgage completes
    The conveyancer will carry out various legal checks on the property, known as searches. They will also make sure they are happy with the legal side of the property generally. If there are no concerns then the conveyancer will contact us to confirm when you want your mortgage to start, and the date they'll need the funds to be released. On the requested date, we'll send the funds to the conveyancer who will complete the transaction.

  7. Your first payment is made
    When the mortgage has completed, we'll send you a letter confirming what your first payment will be, and when we'll require it. Your subsequent payments will be for the amount we tell you and you will pay them on the date you requested each month.

How to apply

If you are a first time buyer, home mover or looking to remortgage, you can start your application online and a qualified Mortgage Adviser will give you a call to go through the details

Subject to status and lending criteria 

Request a call back from your local Mortgage Adviser who can arrange a convenient time to discuss your mortgage needs face to face, by phone or via video

Find out what information you’ll need to have to hand

To talk to us about a new mortgage, call us on
0800 056 1088

Lines are open Monday to Friday 8am to 8pm and 9am to 2pm on Saturday.

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