[x close]

The online application process

Our 5 step guide to the online mortgage application process.

Understanding the process

When you’re starting a new mortgage application it's important to understand the process before you begin. Our guide to the online application process will help you find out how it works and how we can help you through your journey to buying a new home.

If you are beginning the process of buying a new home you might also find the information on our lending criteria useful.

back to top

Step 1: Use our mortgage calculators

Before you begin your mortgage application with us, it’s important to find out how much we will lend to you and how much it might cost.  You can use our borrowing calculator  to get an idea of the amount you may be able to borrow and our repayment calculator to get an indication of how much the prospective monthly repayment on a mortgage might be.


  • We recommend you work out roughly how much you think you can afford each month for your mortgage repayments.
  • Use the mortgage calculators to get an estimate of how much you may be able to borrow and how much your mortgage repayments might be.
  • You’ll need to include other monthly outgoings such as bills, council tax, household and childcare costs in order to get a maximum borrowing figure.
back to top

Step 2: Get an Approval in Principle (AIP)

Once you have an idea of the amount you may be able to borrow, you need to obtain an Approval in Principle (AIP). 

Our online AIP takes around 10 minutes to complete and will confirm whether we’ll be able to provide you with a mortgage.  When completing an AIP you will need to have certain information to hand (see below), this is so we can provide an accurate decision.

You should be aware that when applying online, you won’t receive any advice on your application. Read our guide to find out what this means.

Credit check

As part of the process we’ll carry out a credit check so you may want to review your credit file before starting the AIP to make sure your details are up to date and that it reflects your current financial situation.  See our privacy section for more information on credit checking.

What you’ll need for your AIP

Joint applications this applies to each applicant.

Income & employment

  • Details of any income you receive, including benefits & pensions where applicable (we may request evidence of this)
  • Net profit figures if you are self-employed

Details of your monthly outgoings such as

  • Mortgage payments or any other property costs
  • Student loans
  • Credit cards, bank/secured loans or HP agreements
  • Child care costs, including any maintenance payments

If you’ve missed any repayments on any of your financial commitments:

For example

  • Arrears on a financial commitment
  • High Court Judgments
  • IVA/Bankruptcy or Trust Deeds

The decision

An AIP is valid for 30 days. You can save your decision and come back later to complete the full mortgage application (step 3 below) or you can continue immediately and provide the rest of the application details.

If your AIP is 'Referred', don't worry. It means that our Underwriting department needs to look at your application further and may need to ask you for more information.  If this is the case they’ll contact you by email, usually within 24 hours.

What if I've already got an Approval in Principle?

If you have already obtained an Approval in Principle, this means that you are able to move forward with a Full Mortgage Application.


  • Before beginning your AIP, you may want to check your credit file.
  • Remember, you can save your AIP to come back to it later or you can proceed straight to a Full Mortgage Application.
  • You’ll need to include other monthly outgoings such as bills, council tax, household and childcare costs in order to get a maximum borrowing figure.

Step 3: The full mortgage application

With a successful Approval in Principle (AIP) obtained you are free to complete your full mortgage application (FMA). When you are ready there are 2 choices for this:

  1. ONLINE – you can continue online by logging into the website and selecting your application.

  2. BY PHONE – if you want to discuss your application or you need advice, you should complete your application by calling our contact centre. The information you provided for your initial application will be transferred to the mortgage adviser, meaning you won't need to start the process again.

When you proceed with your full application, you will choose a mortgage product, be asked for extra information about your employment and the property to be mortgaged and provide us with the details of the legal adviser who is acting on your behalf. If you need some assistance choosing a solicitor or licensed conveyancer you can use our Conveyancing  service to help you.

There are usually fees involved with processing a mortgage application– this can include a product fee, a mortgage application processing fee and valuation fee - for a full breakdown read our help page on fees and costs.

An important point to consider at this stage is that we may ask you to provide evidence for your income, employment and any financial commitments.

Mortgage Illustration

Before you begin a mortgage application you should look at our Mortgage Illustration page. This will provide you with a comprehensive summary of any product available to you, including the amount of monthly payments and any fees you must pay.



  • Your Full Mortgage Application can be done online or by telephone - once you have obtained a successful AIP.
  • You'll need to provide us with your legal adviser's details as part of the application, if you don't already have this arranged you can use our Conveyancing service to find a solicitor or licensed conveyancer to represent you.
  • You should be ready to pay any up-front fees relating to your mortgage at this stage.
  • We may ask you to provide evidence of your income, employment or outgoings. Find out what documents  you may need to provide.

Step 4: Processing your application

Once your application is complete, we will let you know as soon as possible if we need anything else from you.

When you apply for a mortgage, we have a responsibility to verify your identity under the regulations for money laundering and the prevention of financial crime. We use an electronic verification system to verify your identity although in some cases we may also need additional proof of identity (if, for example you have recently moved or are not on the electoral roll).

If we are not able to verify your identity using the electronic verification system, you will need to provide documentation to prove your identity and address. To see what documents we accept, you can read our Identification requirements leaflet:


All documents you send must be either originals or certified true copies. You should not send any original documents with your photograph or signature. You can find the guidelines for certifying your documents on our Verifying your Identity help page.


We will arrange for a valuation to be carried out on the property to be mortgaged. There is a fee to pay for the valuation (unless you've selected one of our fee-assisted mortgage products) and this will need to be paid before the valuer can visit the property. For further details of valuations and a breakdown of costs, please visit our Mortgage Valuations help page.


You may want to consider having a survey carried out in addition to the valuation as this can provide additional protection by alerting you to potential problems with a property before you buy. Surveys will cost more but they provide a more detailed report on the property. There are three types of survey – a Home Condition Report, a Homebuyer Survey and a Building Survey. For more details on the types of survey available, see our Homebuyer Checklist.

From application to offer

After your application has been processed and the valuations and surveys (if applicable) have been carried out, we will move towards providing you with your mortgage offer. A copy of the offer will also be sent to your legal adviser.


  • After your application is complete, we may still need to see some documents from you.
  • You will need to pay a valuation fee before the valuer will visit the property to inspect it.
  • You should check very carefully which survey type you require for the new property, especially the cost and whether or not a valuation is included.
  • When you receive a copy of the offer from us you should review the terms of the mortgage and the breakdown of costs.

Step 5: Offer to completion

Most of the work between the mortgage offer and completion will be done by your legal adviser. This involves arranging the exchange of contracts between you and the seller, arranging for any important documentation to be sent to you and setting up the transfer of funds for the property purchase.

Shortly after completion we’ll write to you to confirm that your mortgage direct debit has been set up and to let you know the first payment date. If you are eligible for cashback (this depends on the product you selected) this will be paid after completion.


  • Your legal adviser will contact you regarding any forms you need to sign prior to completion
  • You'll need to ensure you have buildings insurance in place for your new property
  • If you are eligible for any cashback on your mortgage this will be paid just after completion of your mortgage.


Like the process for a new house purchase, with a Remortgage you will receive a mortgage offer from us when you have completed a successful mortgage application. When a date for completion is agreed with us as the lender, the funds for your remortgage are then released to your legal adviser.

Mortgage calculators

Use our simple calculator tools to work out how much your repayments could be, how much we could lend to you and if an Offset mortgage could save you money.

Your questions answered

Call us

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

0345 744 6622*

Manage preferences

Select the cookies that you are happy for us to collect in order to personalise and enhance your experience.

Your preferences will be valid for 12 months. You can review your choices at any time in your browser settings. To find out how to manage your cookies and what information is being collected read our cookie policy

Cookies strictly necessary

Essential for performance. These allow you to browse and navigate our website.

Performance (analytics) cookies

Used to understand how people use our website. These allow us to track users through the site so we can make informed decisions on improvements.

Advertising cookies

Used to try and understand which of our products and services are relevant to you.

Save changes