Existing Customer

We want to help and support you to manage your mortgage once you become a customer. Whether it’s changing your interest rate online, or choosing one of our Flexi options, we're here to help.

Application Process

As steps in life go, buying a home is certainly one of the big ones. But if you know what’s involved in the mortgage process, you can see it instead as a number of small, easily-managed steps. What’s more, you don’t have to take them on your own. We are here to help you, providing as much guidance and advice as you want or need. Every step of the way.

1. Find out how much you can borrow

You will need to know what you can afford before you start looking to move house or release some equity on your existing home – our calculator can give you a good indication.

2. Get your Letter of Offer and appoint a solicitor

We will send a loan offer pack to you and to your solicitor. It will contain your Letter of Offer, the European Standardised Information Sheet (ESIS) with full details of your mortgage and the terms and conditions of your loan.

3. Get a property valuation

We will give you the name of an approved valuer who can carry out a valuation for us before the loan is drawn down. We always recommend that you get a surveyor’s report as well, for your own peace of mind, which can uncover faults that aren’t easy to see. In some cases we may require that you get one, particularly if the house you’re buying is older.

4. Arrange home insurance & life cover

At this stage, you should arrange the appropriate Life Assurance and Fire Insurance policies to protect both you and the property. These will need to be in place before you can draw down your mortgage. Ask us about our great value Home insurance and Life cover*.

5. Draw down your mortgage

We will draw down your Mortgage and issue the funds to your solicitor to complete the purchase.

* You may purchase your Home Insurance / Life cover from another provider if you wish.