We aim to give you a lending decision within 24 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:
Under 3 hours

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.

To help identify our fixed rate products, we would encourage you to list the products sourced by the total amount payable during the product period.

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:

Mortgage networks
First Complete; Intrinsic; Mortgage Intelligence; Personal Touch; Pink; Sesame; Tenet; and The Right Mortgage.

Mortgage clubs
L&G; MCI; Paradigm; PMS; SimplyBiz; and TMA.

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.

Unacceptable criteria:

• Any form of commercial lending;
• Any non-standard construction;
• 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 exceeding £100 that have been registered within the previous two years (excludes mobile phone defaults);
• If your client is a non-EU citizen without permanent right to reside;
• If your client is currently employed by an agency; and
• If your client is an ex-pat.

If you're unsure if your case fits our criteria please do get in touch.