Step 5: 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+

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 your home.

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

Valuation and completion


Once we’ve completed your mortgage application, we’ll arrange for your home 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.

When we’ve had this confirmed we can make you a formal mortgage offer, meaning your mortgage has been approved.


Finally we’ll instruct the solicitor to transfer the mortgage from your existing lender to us. If you borrow more money at the same time, the solicitor will arrange to pay that directly to you on completion.


You will already have insurance to protect your home, but it’s worth reviewing to see if it’s still adequate. Santander customers can get discounts on insurance please click here to see latest offers.

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.