How much can your clients borrow?
Here to help you
- New enquiries: 0121 521 4000
- New enquiries: firstname.lastname@example.org
- Case updates: 0121 521 4013
- Case updates: email@example.com
Frequently Asked Questions
What is your lending area?
We lend on properties located across England and Wales. The minimum property valuation is £75,000. This increases to a minimum valuation of £250,000 if the property to be mortgaged is located within the M25 corridor.
We are unable to accept applications on properties located in Scotland, Northern Ireland or the Isle of Man.
How do I get an update on my case?
If you've submitted a full application and know the name of your designated Case Officer please call us on 0121 521 4013 and ask for your Case Officer, who'll be happy to help. If you're at the decision in principle stage of your application please call our Business Development Team on 0121 521 4000 or email firstname.lastname@example.org.
How do I submit business?
We always recommend that you initially complete a decision in principle which allows us to have a look over your case to see if your clients meet our lending criteria, and there's no need to register with us before submitting a decision in principle.
You can access our online form from our decision in principle page. Alternatively you can download a pdf form to complete, we'll require a scanned copy to be emailed to email@example.com. You're able to sign on behalf of your client at this stage.
When we receive your completed decision in principle form, we aim to get back to you within 24 hours with an initial lending decision.
To submit an application using our online submission process you must have previously completed an online decision in principle.
We don't require you to enter any information you've previously provided in a decision in principle, so there's no time wasted duplicating data. If there's any supporting documents you need to send to us, you can attach these to the application using the attachment buttons in the additional information section.
At the end of the form ensure your electronic signature has been entered and click 'Finish' to send the application direct to your client for them to add their own electronic signature. The submission process will not be complete until your clients have signed the form. You're able to save a copy of the form for your own records.
Electronic signatures will enable us to begin processing your application however we'll require a completed Direct Debit form to be sent to us by post at our Tipton head office.
If you've previously completed a paper-based decision in principle for your client or if you'd prefer to complete our paper-based application, you can download copies of our PDF forms.
When you're ready to submit an application with us, complete the form and scan a copy into us at firstname.lastname@example.org. If you send an electronic copy, we'll require the original signed document to be posted to us to confirm your clients signatures on the application form.
Service Level Agreements
We aim to give you a lending decision within 48 hours of receipt of a completed decision in principle.
Your full mortgage application is passed to our mortgage processing team once we have received all supporting documents requested when approving your decision in principle. Your application will be assigned a Case Officer and they will contact your client to arrange payment of any appropriate fees before instructing the valuation. They will also email you directly to introduce themselves and detail any outstanding requirements prior to mortgage offer.
Current service levels
Average decision in principle response time last week:
These tips are for guidance only and should not be relied upon to satisfy your own compliance check.
Our products can be sourced on Mortgage Brain, Trigold Prospector, and Twenty7Tec.
If your search is criteria led then we would recommend including variable and discount rate products within your search to ensure our full product range is detailed for your consideration.
Our standard residential and buy to let products are available to whole of market. We also have intermediary exclusive products available via the following networks and clubs:
Intrinsic; Mortgage Intelligence; Primis; Sesame; Tenet; and The Right Mortgage.
L&G; MCI; Paradigm; PMS; SimplyBiz; Brilliant; and TMA.
Times when we cannot assist
Whilst we will always do our best to be flexible and help you and your client, there may be occasions when we are simply unable to assist.
We know that your time is valuable and that is why we feel it's beneficial to be open and transparent about this.
- Any form of commercial lending;
- Any non-standard construction;
- Any property within a licensed or selective licensed area;
- Local authority flats, flats in blocks of more than five storeys or flats above commercial premises;
- Clients that have previously undergone a mortgage repossession;
- Clients that have been registered as bankrupt or have an IVA, and the discharge period is less than six years;
- Clients that have a CCJ that has been registered or satisfied within the last three years;
- Clients with defaults that have not been satisfied at least 3 months prior to application; and
- If your client is a non-EU citizen without permanent right to reside.
If you're unsure if your case fits our criteria please do get in touch.
This is not an exhaustive list.
Your home may be repossessed if you do not keep up repayments on your mortgage.