Step 7: Applying for a mortgage


Even when you’ve applied for a mortgage before, the process can seem complicated, but we’ve helped many customers over the years and we’re here to help you too.

You can apply in branch or over the phone. Our expert Mortgage Advisers will listen to your needs, offer advice and recommend the right mortgage for you. They’ll help you with the application, making sure you understand everything as you are going along.

1 Mortgage application+

Once you've made an offer on a property you need to confirm your mortgage. You can book an appointment to come into one of our branches or speak to one of our telephone advisers.

We’ll ask questions about you, your needs, your circumstances and your finances so we can complete a full assessment of your income and outgoings. This will allow us to confirm how much we can lend to you and that the amount is affordable for you. We’ll also take some details about the property and your solicitor.

We’ll run through a full mortgage application and give you a Key Facts Illustration (KFI) for the mortgage deal. It is essentially a quote that shows the costs and fees for the mortgage you’re choosing.

2 Having your key documents to hand when you’re applying will make the process smoother:+
  • your last three years’ address history, with no gaps
  • your last three months’ payslips or three years’ accounts/ SA302s and Tax Year Overviews (TYOs) if you’re self employed
  • your last three months’ bank statements
  • full details of any loan or credit cards you have
  • ID such as driver’s licence or passport

The survey and valuation


Once we’ve completed your mortgage application, we’ll arrange for the property to be valued. This valuation is for our purposes, so we know the value of the property suits the size of the mortgage you’re requesting. Once the valuation is received we can make you a formal mortgage offer, meaning your mortgage has been approved.

The way we value your property will depend upon the type of mortgage you require and the amount you’re borrowing.

This will either be an automated valuation (AVM) or by instructing an independent registered valuer to inspect the property externally or carry out an internal inspection. Where a valuer has inspected the property internally a copy of the valuation report will be enclosed with your mortgage offer.

It is important to note that a mortgage valuation is not a survey and doesn’t advise you on the condition of the property in any detail.


With any property purchase we strongly advise that you spend a little extra money to get a survey to check the property's condition before you commit to it.

You can find a surveyor by contacting RICS. There are a number of different surveys available, a couple of which are summarised below. It’s important to discuss with the surveyor which type of survey is best for your requirements.

1 A RICS Homebuyer Report+

This describes the condition of a property and provides advice about defects which could affect its value, repairs and ongoing maintenance. It's designed for standard properties in reasonable condition. It'll advise on legal issues that need to be addressed and provide information about the location and local environment.

2 A Building Survey+

This is more detailed and designed for larger, older or run-down properties, buildings that are unusual or altered, or if there is an intention to carry out major works. This is the most comprehensive report and provides in-depth analysis of the condition of a property.

Whichever survey you choose, it'll be sent to you direct and you'll be able to discuss its content with the surveyor. We don't see survey reports as they're intended for you when you buy a property.

Important Information


All applications are subject to status and our leading criteria. This means that the ammount we will lend you will not depend on your individual circumstances, the type of property and the ammount you borrow. For example, we nay require a higher deposit if you are buying a flat or a new built property.