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How to apply

Our website provides you with details of all the mortgage deals we currently offer but to apply for a mortgage with us you'll need to discuss your application with one of our Mortgage Advisers. You can do this at any of our branches or by contacting us on 0345 601 3180.

Our Mortgage Adviser will recommend which of our mortgages will best suit your needs and circumstances. To do this, he or she will spend time with you discussing your current and future requirements. You'll be given a full mortgage illustration providing information about the mortgage recommended, the monthly repayment costs and any other associated charges and terms.

To help us process your mortgage application without delay, we'll need to see the following for each applicant:

  • Proof of your identity
  • Confirmation of current income

If you currently have a mortgage with another lender, we will also need a copy of your most recent mortgage statement.

Proof of your identity

What you will need
When applying for a mortgage with us you'll need to provide us with one item from List A and one item from List B:

Please note that we will only accept the original or certified copies of these documents.

List A: to prove who you are

List B: to prove where you live

A current signed passport or EU member state ID card

A utility bill - less than three months old, not a mobile phone bill

A current UK photocard driving licence (full or provisional) - showing your current address and an unexpired photograph*

A council tax bill for the current year

A current full UK old style driving licence*

 

A bank, building society or credit card statement - less than three months old
An HM Revenue & Customs tax notification e.g. tax assessment, statement of account or notice of coding (P45s and P60s are not accepted) - less than 12 months old*

A mortgage statement - less than 12 months old

Evidence of entitlement to state benefits, pension or tax credits - less than 12 months old*

A television licence renewal for the current year

A firearms certificate or shotgun licence

A student loans acceptance letter or annual statement - less than 12 months old

A current Blue Badge disabled driver’s pass

A local council rent card or local council tenancy agreement

An older or disabled person’s bus pass issued by your local authority

A local housing association tenancy agreement - private tenancy agreements are not accepted

A UK Armed Forces ID card

A solicitor's letter confirming a recent house purchase or land registry confirmation - less than three months old

A police warrant card

A current UK photocard driving licence (full or provisional) - showing your current address and an unexpired photograph*

 

A current full UK old style driving licence*

 

HM Revenue & Customs correspondence for the current tax year*

 

Evidence of entitlement to state benefits, pension or tax credits - less than 12 months old*

 *Please note that although some items appear in both lists you can't use the same item to verify both your name and address: two separate items are required.


We'll take copies of the ID you've provided and retain these for our records. These are required to fulfil statutory obligations and won't be used for any other purposes.

If we can't verify your identity, we won't be able to proceed with your application.

Verifying your income
In addition to an item from List A and List B we'll also need proof of your income. For each applicant we'll need to see:

  • Your last three months payslips and your latest P60. If you are self-employed, your previous three years' accounts / SA302 with tax year overview statement
  • Your last three months bank statements showing your income

These documents can be online print outs, but please make sure they show your name, address and account details as well as the company logo.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE