Explore how to submit business with us
Our application process
- Step 1
Register with us
You can register with us using our new broker platform 'Mast'. Simply click on the login button at the top of the page and click 'register as an intermediary or support staff'.
- Enter your basic personal details and choose an option that best describes your role.
- Enter your firms details and add a correspondence address, if required.
- You will be required to set up a password during registration to enable you to login to the platform in the future along with your email address.
- Once you have completed your registration, you will receive an email notification within 24 hours.
After your registration has been approved, you will be required to complete 2-factor-authentication when logging into the platform using an authenticator app, such as the Microsoft Authenticator app.
- Step 2
Submit a decision in principle
To submit a decision in principle (DIP) through our Mast broker platform, click on the 'start new case' in the top right corner.
You will be required to work through the 'task list', that will turn green as they are completed.
- Select the submission route and product and complete your decision in principle.
- Click onto 'assess affordability' where your clients details will be checked against our affordability assessment. At this stage, you may also generate an ESIS, however is not mandatory and can be completed later on.
- If affordability fails, you are able to edit the DIP, but will need to re-enter the previous details. If affordability has passed, you can submit your DIP where our Telephone BDM team will assess your case and you will receive an email with the decision. You can contact our Telephone BDM team at any time to discuss affordability.
When you submit your request you'll need to provide your clients with a copy of our Privacy Notice which can be download from our Privacy Notice page.
- Step 3
Submitting an application
Once you have received a notification that your DIP has been accepted, you are able to submit your full mortgage application through our Mast broker platform.
- Complete any additional information that has not already been provided as part of your DIP. At this stage, you are also able to upload documents to support the application.
- To proceed, you will be required to complete the valuation payment (if applicable) and will be presented with a unique payment URL. Copy the link into a browser search bar to pay immediately, paste the link into an email to send onto the client to pay themselves.
- Once the payment has gone through, you are able to submit the mortgage application to be assessed by our mortgage underwriters.
- Step 4
Obtain an European Standardised Information Sheet (ESIS)
You can submit a request for an ESIS by completing our request form, or by using our Mast broker platform.
Please note an ESIS can also be easily acquired from all external mortgage sourcing platforms by using their product tools.
The below application links are to be used for porting cases only.
Useful information
Application submission guidelines
To reduce any delays in processing your application, can you please follow the following guidelines:
- Processing of an application and instruction of a valuation will not start until all applicable fees have been received.
- Payment of the applicable application fees, which may include a non-refundable booking fee, are payable on application.
- To ensure we can process the application effectively please forward all supporting documentation with your application. Failure to do so may result in delays in processing your application.
- Please ensure that copies of the original documents listed above are forwarded with your application. Where we request additional documentation to verify identity, each item of documentation must be certified original seen and signed by yourself.
- It is your responsibility to check our lending policy before submitting an application, as fees are not refundable. All applications must meet our standard lending criteria and we reserve the right to request additional information in order to finalise our lending decision.
- All nominated solicitors must be registered on our Panel, which is managed by LMS. You can check this on our Current Approved Solicitor Panel page by clicking here.
Mandatory supporting documents
We will need the following supporting documents when processing your mortgage application:
- Certified proof of identification for all applicants on request;
- Two month's latest payslips;
- Most recent P60 or two year's SA302s and corresponding Tax Year Overview's if your client is self-employed); and
- Last two months salary-fed and household expenditure bank statements.
- Additional documents (where applicable)
Please ensure your clients are made aware of our Mortgage Conditions before submitting your completed application form.