How to apply

Complete our online registration form to get access to KFIs, Lending Decisions and online application. We'll email login details within 1 working day. You can then start to submit your applications.

Our Affordability Calculator gives an estimate of how much your client can borrow. The more information you include, the more accurate the result.

• Lending decisions are valid for 30 days. Make sure you submit the application within this time so you don't have to start from scratch.
• If your lending decision expires, start a new one to avoid problems with the application (don't edit an existing lending decision).
• The more information you include, the more likely we are to give an immediate Accept decision. Check our guide for more details. We check affordability and review your clients' income and outgoings, including overdrafts, student loans, childcare costs and all regular payments.
• If new information comes to light later on, we may need to do a new credit check again and recalculate affordability. This could result in a case being declined that was previously accepted.
• If the decision is “Accept” we'll send you a list of the minimum documents we need (we may ask for more).

• To reserve products, complete a full mortgage application and pay (where it applies) the Mortgage Application Processing fee.
• We'll start processing and request a valuation as soon as the valuation fee and any Mortgage Application Processing fee has been paid (unless you let us know you want to delay the valuation).
• Please complete in full all the questions that apply to your clients. If new information later comes to light, we may need to credit check again and recalculate affordability. This could result in a case being declined that was previously accepted.
• If your application or offer expires, you'll need to start the entire process from the beginning, including paying fees.

For each application your Case Manager will let you know their contact details. They'll keep in touch with you about progress and let you know what documents we need.

• Once your Case Manager receives the minimum requirements, they'll start work on your case. (We wait for all documents we've asked for rather than looking at items separately).
• The fastest way to get your documents to your Case Manager is from a link in the MATS emails we send to you. Find out more about document upload.
• Once we've looked at the documents, we may have questions or need more documents for the case to become “fully packaged”.
• At this stage, we aim to get an offer to you within 72 hours (we're often quicker). This can take longer if there are underwriting queries.
• Offers are valid for six months.

• You'll get an email when anything changes with the case.
• Remember, you can also upload documents directly to the case from links in the MATS emails we send to you.
• Our service standards are published on our home page. If we fall behind, we'll update our website to let you know.