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 online, by phone or in branch.


Mortgage application

You’ll already have your decision in principle so when you’ve had an offer accepted on a property, you can then apply for a mortgage online. You need to be comfortable choosing your mortgage without receiving advice from us. 
You’ll be able to see the mortgages you’re eligible for with their monthly payments and any associated fees. Once you’ve chosen your mortgage deal, you can get a mortgage illustration which essentially is a quote that shows the costs and fees for the mortgage.
You don’t have to complete your application in one go. Simply save and come back to it when you’re ready.
You’ll get an instant decision (if you submit your application between 6am and midnight Monday to Saturday and 8am and 6.30pm Sunday). This is subject to checking any documents we ask for and a satisfactory property valuation.
Phone or branch 
Once you've made an offer on a property you need to apply for your mortgage. You can book an appointment to come into one of our branches or speak to one of our telephone advisers
Your Mortgage Adviser will ask you questions about your needs and circumstances so that they can confirm that the mortgage is affordable and advise you on the right mortgage. They’ll also take some details about the property and your solicitor.
Next they’ll give you a mortgage illustration for the mortgage deal. It is essentially a quote that shows the costs and fees for the mortgage.

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.

If you're buying in Scotland we'll accept a transcription of the valuation in the Home Report, which the seller prepares.


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.


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.


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 lending criteria. This means that the amount we’ll lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a bigger deposit if you’re buying a flat or new build property.