Toolkit & FAQs.

Our online portal is available for applications excluding the following, which need to be submitted via a paper app:

• Applications with more than 2 applicants
• RIO
• Additional borrowing
• Porting

The paper application form can be found in the forms section of our Useful Downloads page, or click here to download the PDF.

Following our name change in November 2021 cases will continue to be processed in the Ipswich portal, whilst we work on a new system to be launched in 2022. We have put together some useful information and downloads on our Ipswich portal tools page.

To access the workaround first you will need to input a UK based postcode and then select “search”. You will then have a drop down option to select an address from – select the option for “none of the following”. This will then allow you to key in the foreign address manually.

Yes, they can normally apply to extend once and up to a maximum of 3 months. This is at the Society’s discretion and the request should be made to the lending team. We will need the applicants updated income information and last 3 months bank statements and confirmation there has not been a material change. A further credit search will also be completed by the Society.

If the mortgage has not completed within the extended period granted, then a new application will need to be submitted.

We have put together a dedicated existing borrower section which explains more about your clients who have an existing mortgage with us.

Our current service levels are displayed on our home page. Scroll down to view turnaround times for AIP referrals, underwriting, document processing and offer turnaround.

Currently it leaves a hard footprint. We have an enquiry form that can be used to pre-agree a case with us ahead of submitting a DIP – click here to download the form.

We are planning a change of our mortgage origination system soon and, following this, our credit search will leave a soft footprint.

Please find links below to both our packaging and ID and V document requirements. As we manually underwrite we may occasionally ask for additional documents once the case has been underwritten.

• Mortgage packaging requirements
• ID & V
• Expat ID & V

We use a panel management company, please get in touch to find out if your solicitor is on our panel.

If your clients decide not to proceed please inform us as soon as you are able. Once the application has been underwritten the £199 application fee will not be refunded. If a valuation fee was charged and the valuation has been completed please note the fee cannot be refunded. However, if the valuation has not taken place, generally we will be able to refund any fee paid – please allow 7 days for the refund to clear into your client’s account.

If your client decides that they no longer wish to proceed with their purchase, perhaps following the valuation, and wants to proceed with a new application on a different property please advise us as soon as possible, giving us the new property details and requested borrowing.
If the application is at an early stage and pre-valuation, subject to underwriting, we are often able to update our records and proceed with the existing application.
If the valuation has been undertaken, we are unable to proceed with the existing application and would need a new application, application and valuation fees and all updated supporting documentation. A mortgage product from our currently available range would also need to be chosen. If this happens, please let us know, so that we can assist you and tie the two applications up.

We are currently using the Xe Foreign Exchange Rates tool. Click here to access the Xe website.

Click here to download our valuation fees.

Procuration fees are paid around two weeks after completion. Once the fee is paid it should typically be received two working days later. If you have any questions about your procuration fee please contact us on 0330 123 1073.

We’re on hand to help, so please either contact your BDM directly or speak to our helpdesk on 0330 123 1073 (option 1).