Skip to content
Alert Icon

Intermediary use only

Submitting an online application

We have lots of useful information to make using our online application system as smooth as possible.

Before starting an application

  • Check our service levels page which has our application to offer timescales, especially important for those clients who have a time sensitive completion date
  • Don’t forget to take a look at our packaging requirements to see what information you may need when submitting an application
  • Need to register for our online application system? Head to our registration page to get started.

Using our online application system

1
Start an application

Once you’re registered for our online application system and successfully logged in, you’re ready to start a new illustration, AIP or full application. Our online forms make it easy for you to enter and edit client information. What’s more, you can create an AIP with a soft footprint and when your client is ready, this can be converted to a full application with a hard footprint in a single click.

Open the drop down menu in the top right hand corner called ‘Start application’ and choose what you’d like to do.

2
Select the correct product code

All the product codes can be found on our product pages, but if you need help finding any product codes please get in touch.

Your chosen product code will automatically pull through to the full application from AIP stage.

3
Submitting a full application

Once the AIP has been accepted, go into the case ‘Overview’.

Scroll down to ‘Case activity’. Under ‘AIP Accepted’ you can click on ‘Progress to Application’.

Once you’ve submitted the full application the system will return an automatic decision of ‘accept’, ‘refer’ or ‘decline’. If the case refers, take a look at our service levels to find out when your case will be reviewed.

4
Uploading your documents

Once your application is accepted, the status will be set to ‘Awaiting Documents’. You now need to upload the packaging documents the underwriter needs to complete their assessment e.g. proof of income. To see what documents are needed go to the ‘Actions’ tab.

If you haven’t uploaded a document against each request, the case will stay at ‘Awaiting Documents’ and won't go back to the underwriter for assessment. Once all of the documents have been uploaded, the case status will change automatically from ‘Awaiting Documents’ to ‘Awaiting Assessment’. Now the documents will be assessed by an underwriter. If they need any further information they’ll contact you.

For further support, take a look at our top tips for uploading documents.

5
Paying the valuation fee

The case status will be set to ‘App Accepted Pending Payment’. A new tab will appear in the case status menu bar called ‘Fees’. You can pay the fee here but you’ll need your client’s payment details for this.

Once paid, the status will change from ‘App Accepted Pending Payment’ to ‘Awaiting Documents’.

If the valuation fee isn't paid within three days:
  • The case status will change to ‘App Not Proceeding
  • You’ll need to get in touch to have the status reversed to ‘App Accepted Pending Payment’ so you can pay the fee. This will generate a new search and reassessment, and if circumstances have changed then we may not be able to proceed with the case
  • We can withdraw our products at any time, which means that if the chosen product is no longer available, you’ll need to select a different rate.

To view and download any documents please click on the ‘Case documents’ tab. Here you’ll be able to view and download the valuation report, Offer documents etc. Please be aware that it can take up to 48 hours for the Offer to be available here.

How to edit an Approval in Principle (AIP)

Before you begin:

  • Editing an AIP will cancel any previous decision. If the submission is edited and the chosen mortgage product has been withdrawn, a new product must be selected to continue with the application
  • You're able to edit an AIP up to a maximum of 3 times. After that, you'll need to rekey a new AIP from the start
  • We only run a soft credit search for AIPs.
1
Select the case with the AIP you want to edit

Navigate to the case you want to edit the AIP for and make sure you’re on the ‘Overview’ tab.

Scroll down to the ‘Case history’ section and click ‘Edit as new Aip.

Image showing case overview section from our online application system

2
Review the on-screen message that appears

Read the pop-up message asking if you’re sure you want to edit the AIP.

Important: Editing the AIP will cancel the previous decision. If the submission is edited and the chosen mortgage product has been withdrawn, a new product must be selected to continue with the application.

If you’re happy with this, click ‘Continue’.

Image showing the warning message on our online application system

3
Make the necessary changes

You’ll be taken to the original application form and all the previous information entered will pull through showing each section as ‘Complete’.

You’re now ready to edit the AIP and make changes to any section you want, without having to input all the information again from scratch.

Image showing the application form on our online application system

Top tips for uploading documents

  • Only upload documents we’ve asked for
  • Upload documents under the correct folder heading. Wrongly labelled documents will be rejected, and delay your client’s application
  • Scan the full document. Make sure nothing gets cut off and the text is clearly visible. Re-scans won’t be accepted
  • Certify all documents online
  • If you need to send anything to us by post, use our handy cover sheet. You can find this in the ‘Case Overview’ tab.

We accept the following:

  • PDF or JPEG file types
  • A maximum file size of 10MB
  • High quality images taken by a mobile device
  • Colour or black and white documents
  • Up to 50 separate uploads per application (with up to 100 pages per upload).

Error message

You may get an error message when uploading bank statements and payslips. If this happens, try to upload them as a different file type. You can also try and print them, scan and then upload.

Your browser is not supported. For the best experience, we recommend using the latest version of Chrome, Microsoft Edge, Firefox or Safari at 100% zoom level. You won’t be able to access our application system using Internet Explorer, please use one of the browsers suggested above.

Close
Back to top