How to apply
You can submit mortgage applications online.
Use our online application system to complete and submit both residential and buy to let applications. Registration to use the system is quick and easy, and once you are registered you simply need to log in each time you wish to submit applications.
Online application should also be used to submit scanned supporting documents for your applications.
Our online application user support guide is available on Tools Guides, along with a helpful FAQ document.
Guidelines on submitting applications
Completed applications should be submitted along with all relevant supporting documents. Please refer to our packaging requirements tab for further details.
For additional support and information to help you complete our application forms, please refer to our application guides. These will help ensure we can deal with your client’s application as quickly as possible.
Scottish property valuations
For residential mortgage applications where the LTV is 90% or below, we can accept a transcript from a Home Buyers Report subject to the valuation not being more than 90 days old and the surveying firm / surveyor being on the banks valuation panel. The fee for a transcript is £100. A bank survey is needed for loans which fall outside this criteria. Transcripts are not acceptable for BTL applications.
Need help with the application process?
Our application forms, useful guides and sales support literature are available from the Tools Guides and packaging requirements tab of this page.
Our online application system captures the majority of information required for submitting your customer’s application. However, please ensure all supporting documents are submitted at the same time as the application as the case will only be sent for underwriting assessment once all of the supporting documentation has been received.
- Employed income verification – Where an applicant is paid monthly and in receipt of basic income Car and/or Territorial Allowance, the most recent payslip (4 weeks’ payslips, if paid weekly or 2 payslips if paid fortnightly) must be provided. If the client has other variable pay items such as Overtime, Additional Duty Hours, monthly Commissions/Bonus or Shift Allowance, 2 Monthly pay slips (8 weeks’ payslips, if paid weekly or 4 payslips if paid fortnightly).Non monthly Bonus – (Bonus income to be proven over three years using any of the following documents – P60’s, salary slips showing bonus being paid, annual compensation statement from the clients employer).
- Self employed income verification – Documentation requirement for Sole Traders or Partnerships is 2 years financial accounts (showing 3 years figures) or latest 3 years HMRC Tax Calculations with corresponding Tax Year Overviews.
Where our applicant(s) are shareholders in a business with other shareholders, their percentage shareholding needs to be identified in order to accurately establish their personal remuneration. In such instances we will require a letter, addressed to the Bank from the Company’s accountant, confirming the applicant’s percentage shareholding in the limited company and their director’s salary over the last 3 accounting periods.Lending in to retirement – If the applicant wishes to take a repayment mortgage beyond their stated retirement age we will require evidence of current income along with retirement income in the form of: the most recent Annual Pensions Statement, or the customers most recent bank statements showing 2 months pension credits.Loans over £1m – Where the client is applying for a loan over £1m, we will require the most recent 2 months consecutive bank statements.Contractor income verification – scanned copy of current and previous contract(s) covering the most recent 12 month period & last 3 months Bank Statements for the account into which income is paid.Source of deposit – a scanned copy of the evidence for the source of deposit. If the deposit is gifted, the funds should be paid into an account in the name of the applicant and a scanned copy of the bank statement should be provided in addition to a letter from the donor to confirm if this is by way of a gift. If the family member does not wish to lodge the funds into the applicant(s) name then in addition to the gift letter we will require a copy of their bank statement and a Third Party Use of Personal Information Acknowledgement form.Proof for background BTLs – scanned AST agreement(s) or the last 3 months bank statements with monthly rental income clearly highlighted. A letter of consent from the existing lender and confirmation of anticipated rental from ARLA registered letting agent will be required if the current residential property is being retained.Signed declaration and Direct Debit Mandate – a scanned, signed Customer Declaration and Direct Debit mandate will be required for every case. An additional DDM will be required if the loan is split across more than one product or repayment method.Additional information – please make use of the additional information section at the end of the application to detail any information which may assist our underwriting department so that we may make an assessment of the case as soon as possible. Alternatively please provide a covering letter containing any relevant information.
Hints & tips
We have produced some hints & tips to assist with your completion of the application which will help us to process the application as fast as possible for your clients:
Monthly expenditure – Please ensure all regular monthly commitments are included within the application. Common examples of regular monthly commitments which are omitted include:
- Personal loan / hire purchase payments
- Minimum credit card payments (if the credit card is repaid in full each month then no monthly commitment needs to be recorded in the expenditure section)
- School fees / childcare
Applications with background BTLs – Ensure all background BTL properties held by the clients are detailed within the application and the total expenditure for all these properties is included within the monthly expenditure section of the application.
Property address – Make sure the security address you provide exactly matches the Royal Mail website.
Secondary incomes – Always make sure that employment / income details are fully completed for any second applicant and relevant income proofs provided, even if their income is not considered necessary for affordability purposes.
Dependants – You are able to add dependants for every applicant. If multiple applicants share dependants then please record them under applicant 1 and then enter zero for subsequent applicants to ensure we do not double count.
Fees – Please make sure the correct arrangement and valuation fees are input within the application. You can find these on our Products page and Valuation Fees page.
Additional information is required for buy to let applications:
- BTL Schedule – plus AST’s and/or bank statements showing rental income
- Copy of Assured Shorthold Tenancy Agreement(s)
- Bank statements showing rental income, annotated with each property address.
Background consent to let.
- Consent letter from existing lender
- Confirmation of anticipated rental from ARLA registered letting agent
Our online application makes it quick and easy to apply for your customer
Lending Policy & New Business enquiries
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