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 Product Update Effective 18/09/2020

Product Update Effective 18/09/2020

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Purchase Options
Residential Purchase

Help to Buy Purchase

Assisted Mortgage (Joint Borrower Sole Proprietor)

Self Build and Custom Build

Remortgage Options
Residential Remortgage

Help to Buy Remortgage

Assisted Mortgage (Joint Borrower Sole Proprietor)

Self Build and Custom Build

Service Standards - as of 17/09/2020

Application submitted date to offer – expected turnaround time 12-15 days including valuation
15 days
Initial review of new applications
72 hours (currently)
Reviewing supporting documentation
72 hours (currently)
Call wait time (based on previous working day)
103 seconds
Valuation instructed new applications
72 hours (currently)

Lending and Security Updates

Interest only - Sale of property

Following a review of our interest only lending policy, where the sale of the mortgaged property is being used as the repayment strategy, we have introduced a range of minimum regional equity thresholds where the client(s) intends to downsize to in addition to our overall minimum equity requirement of £200,000.

View repayment vehicles

Part and Part combined repayment method

Following a review of our lending policy loans which include both interest only and repayment elements (Part and Part) will not be accepted until further notice .

View repayment methods

Tools and Sales Aids

Affordability Calculator

Use our online Affordability calculator to get an accurate borrowing figure for your client.

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Business Relationship Manager Finder

Search for your local Business Relationship Manager here.

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