Our application process

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;
• Proof of income for all applicants (two months' payslips and most recent P60 or latest SA302's, 6 months income fed bank statements and corresponding Tax Year Overview's if your client is self-employed); and
• Last two months salary-fed bank statements.
• Additional documents (where applicable)

Please ensure your clients are made aware of our Mortgage Conditions before submitting your completed application form.