Applying for a mortgage with is simple. It involves two key stages: getting Decision in Principle (sometimes called an Agreement in Principle), and then making a mortgage application.
The actual process of making a mortgage application – after you’ve gotten your Decision in Principle – can be done over the phone, in branch or online.
You will be asked to provide relevant documentsdocuments will be required to support your application to support your application.
Step 1 - email to get a Decision in Principle
Step 2 - Provide us with your supporting documents
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Step 1 - Visit your local branch and get a Decision in Principle
Step 2 - Arrange an appointment with a Mortgage Advisor and provide us with your supporting documents
Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.
Step 1 - Get a Decision in Principle online now
Step 2 - You can choose to receive mortgage advice after receiving your Decision in Principle or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however you will not receive advice
Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.
Once you’ve submitted your documents to support your application, the following are the key next steps:
We’ll arrange a valuation of the property
If your mortgage is approved, we’ll send you an offer
After this, the legal work will be conducted
Once all the legal work is finished, your mortgage will be complete.
If you're an existing mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.