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Apply for a Mortgage

Helping first time buyers get on the property ladder

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Applying for a mortgage with is simple. It involves two key stages: getting Decision in Principle (sometimes called an Agreement in Principle), and then making a mortgage application.

Getting your Decision in Principle
  • A Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies.
  • When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies.
  • A Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for mortgage.
Applying for a mortgage

The actual process of making a mortgage application – after you’ve gotten your Decision in Principle – can be done over the phone, in branch or online.

You will be asked to provide relevant documentsdocuments will be required to support your application to support your application.

Contact us

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Start your application
By Email

Step 1 - email to get a Decision in Principle

Step 2 - Provide us with your supporting documents

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In Branch

Step 1 - Visit your local branch and get a Decision in Principle

Step 2 - Arrange an appointment with a Mortgage Advisor and provide us with your supporting documents

Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.

Online

Step 1 - Get a Decision in Principle online now

Step 2 - You can choose to receive mortgage advice after receiving your Decision in Principle or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however you will not receive advice

Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.

What happens next?

Once you’ve submitted your documents to support your application, the following are the key next steps:

We’ll arrange a valuation of the property

If your mortgage is approved, we’ll send you an offer

After this, the legal work will be conducted

Once all the legal work is finished, your mortgage will be complete.

Existing customer switching rates

If you're an existing mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.