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Apply for a mortgage from the comfort of your own home at a time that suits you

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Telephone Mortgage Applications

We want to make it easy for you to do business with us at a time and place to suit you. We're pleased to be able to offer a complete mortgage interview process over the telephone.

1. Initial enquiry

Get in touch

Whether you want to move house, purchase your first home, look at buying to let or wish to enquire about switching your existing mortgage to The Cambridge then we can help.

The first step is to get in touch. Simply call our Customer Contact Centre or if it's more convenient, complete the form at the bottom of this page and we'll call you.

Our mortgages are available for properties located in Bedfordshire, Buckinghamshire, Cambridgeshire, Essex, Hertfordshire, Norfolk, Northamptonshire and Suffolk.

Call 0345 601 3180

Customer Contact Centre opening hours
Mon – Fri:  8:30am – 8:30pm
Sat:           9:00am – 5:00pm

What to expect

We'll ask you a few questions about your mortgage requirements which will give us a good idea of how we can help. This normally takes between 10-15 minutes.

We can then agree a suitable time to book you a phone appointment with a Mortgage Adviser to get your application under way. The initial information you provide will be passed to the Mortgage Adviser so you won't need to repeat it again during your phone interview. We'll also send out an income and expenditure form (see below) for you to complete prior to the interview. This lists your income and outgoings and allows us to assess how much you can comfortably afford to borrow.

Please do not send us any personal or confidential information via email.

Income and Expenditure Form_September 2017

Request a callback

Let us call you

We will only use the information you provide to respond to your callback request. Your personal information will not be used for any other purpose. Please note that the information you have entered above will be sent to us via email. We would remind you that normal email is not 100% secure and therefore we cannot guarantee the security of the information that you send whilst in transit.

2. Interview

The mortgage interview

The interview normally takes about one hour and allows us to fully understand your mortgage requirements. Your Mortgage Adviser will talk through your current and future needs, and discuss your income and expenditure to determine how much we can lend you.

Decision in principle

By the end of the call your Mortgage Adviser will recommend if one of our mortgages will suit your needs and circumstances. In most cases they will also be able to provide you with a 'decision in principle'. The decision in principle isn't a binding offer but confirms that we would be willing to help you with a mortgage subject to:

  • verifying the information you've provided
  • completing a full credit search
  • carrying out a property valuation (when required)

Key Facts Illustration

Shortly after your interview you will be sent a Key Facts Illustration. This document contains the key facts about the mortgage product your Mortgage Adviser is recommending to you. It will include information such as the product type, the interest rate(s), the cost of repayments, the term of the mortgage, and any related charges such as application or valuation fees.

If you're happy with what your Mortgage Adviser is recommending, we can start the application process.

Instructing a solicitor

At this point it is normal practice to appoint a legal representative to act on your behalf. We operate an approved solicitor panel made up of solicitors from across East Anglia, and other parts of England, who we have approved to act on your behalf. If you appoint a firm that isn't on our panel, we will require our own partner solicitor to act on our behalf. This means that you may be responsible for our legal fees in addition to your own legal fees. Your Mortgage Adviser will be happy to help you find a suitable panel solicitor.

Download Approved Solicitor Panel

3. Mortgage application

Mortgage application

Once you have confirmed that you would like to proceed your Mortgage Adviser will call you to complete an application form. This normally takes between 30 - 45 minutes. We'll also ask you for your personal documents to verify the information you have provided such as proof of each applicants' identity and income. Again your Mortgage Adviser will cover this with you during the call. Please do not send personal information via email.

Mortgage valuation

We are required, by law, to carry out a valuation of the property you wish to buy. The valuation will assess the security offered by the property for our lending purposes and also make sure that you are paying a fair price. Your Mortgage Adviser will talk you through the different types of valuations and surveys available.

Your Mortgage Adviser will also talk to you about any additional requirements that all home owners should consider; such as Home Insurance and Life Cover.

Once your application is fully complete it will be submitted to our Mortgage Application Team for processing. This usually takes around 14 working days.

Keeping you updated

You'll receive updates via email and text (unless you have opted out of this) at the following stages of your application:

  • when your application has been received by our processing team
  • when all relevant documentation has been received
  • when a valuer has been instructed to value the property
  • when we confirm that the valuation has been received

4. Mortgage offer

Mortgage offer

Once we've completed our checks, and we're happy with the formal property valuation, we'll send you a ‘mortgage offer’. The mortgage offer is a formal document confirming that your loan has been agreed and includes a full breakdown of the mortgage costs and terms. A copy will be sent directly to your legal representative who will then be able to finalise the purchase on your behalf. You will have a seven day reflection period to make sure you are 100% happy with the terms on offer.

Exchange of contracts / Payment of deposit

When your legal representative has completed their enquiries about the property and confirm they are happy with the mortgage offer, you will be ready to ‘exchange contracts’. Your legal representative will ask you to sign the contract and pay the deposit.

Your signed contract will then be sent to the seller’s legal representative who, in exchange, will send back an identical contract signed by the seller. This process is known as the ‘exchange of contracts’ and legally binds you to the purchase of the property. If you pull out at this stage you may lose your deposit.

Once contracts are exchanged a date for completion can be agreed. We'll confirm the date that we'll release the funds to your legal representative. This is normally one or two days prior to the agreed completion date.

5. Completion

Completion and moving in

Once all of the formalities have been completed you can start benefitting from your new mortgage deal. From mortgage offer to completion usually takes between one and three months for new purchases or three and six weeks for remortgages. Additional borrowing usually takes between two and four weeks to complete, depending on the amount you are borrowing and if a legal representative has been required.

Shortly after completion we will write to confirm that your mortgage payment direct debit has been set up and to confirm the monthly payments that will be debited from your bank account.

We'll send you an email or text message to confirm that your mortgage has completed.

6. Post completion

Here for you

Once your new mortgage is up and running we'll make sure that the service doesn’t stop there. You can contact our expert team whenever you have any queries either by telephone, email or in branch. We'll also contact you from time to time to make sure you're happy with every aspect of your mortgage.

Call 0345 601 3180

Customer Contact Centre opening hours
Mon – Fri:  8:30am – 8:30pm
Sat:           9:00am – 5:00pm

Product maturity

If you opt for one of our fixed or discounted mortgages then the initial rate of interest will end after an agreed period - usually two or five years. This is known as product maturity. We'll contact you before your mortgage product matures to discuss the options available to you and make sure your Cambridge mortgage continues to be the right mortgage for you.