First time buyer mortgages

How do I apply?

• Step 1 - Start by contacting our New Business Team on 03330 140140 or by using the Call Me Back form. They’ll go over some basic information with you including how much you would like to borrow. They’ll need to know about your income and outgoings to make sure you can afford the mortgage and they’ll check that the mortgage meets our lending criteria.
• Step 2 – After our New Business Team have reviewed your circumstances, they’ll refer you to our Mortgage Advice Team who will go through your circumstances in detail and recommend a suitable product. This advice is free of charge from our in-house team, or you can choose to use your own adviser (they might charge you for this).
• Step 3 – Submit your application along with any supporting documents (there is a list of what’s required on our application form) and the £175.00 Application Fee along with any valuation fee which may apply. There will be further fees associated with the product selected.
• Step 4 – Once the application has been assessed a valuation will be carried and then it will be underwritten and we will provide you with a Mortgage Offer. A copy of this will also be given to your nominated Solicitor who will contact you with some forms to be completed.
• Step 5 – Once your nominated Solicitor  has carried out the necessary searches and received the forms back from you we can arrange to send you the funds (this is called “completion”).