Submitting an online application

Once you’re registered for our online application system and successfully logged in, you’re ready to start a new illustration, AIP or full application. Our online forms make it easy for you to enter and edit client information. What’s more, you can create an AIP with a soft footprint and when your client is ready, this can be converted to a full application with a hard footprint in a single click.

Open the drop down menu in the top right hand corner called ‘Start application’ and choose what you’d like to do.

All the product codes can be found on our product pages, but if you need help finding any product codes please get in touch.

Your chosen product code will automatically pull through to the full application from AIP stage.

Once the AIP has been accepted, go into the case ‘Overview’.

Scroll down to ‘Case activity’. Under ‘AIP Accepted’ you can click on ‘Progress to Application’.

Once you’ve submitted the full application the system will return an automatic decision of ‘accept’, ‘refer’ or ‘decline’. If the case refers, take a look at our service levels to find out when your case will be reviewed.

Once your application is accepted, the status will be set to ‘Awaiting Documents’. You now need to upload the packaging documents the underwriter needs to complete their assessment e.g. proof of income. To see what documents are needed go to the ‘Actions’ tab.

If you haven’t uploaded a document against each request, the case will stay at ‘Awaiting Documents’ and won't go back to the underwriter for assessment. Once all of the documents have been uploaded, the case status will change automatically from ‘Awaiting Documents’ to ‘Awaiting Assessment’. Now the documents will be assessed by an underwriter. If they need any further information they’ll contact you.

For further support, take a look at our top tips for uploading documents.

The case status will be set to ‘App Accepted Pending Payment’. A new tab will appear in the case status menu bar called ‘Fees’. You can pay the fee here but you’ll need your client’s payment details for this.

Once paid, the status will change from ‘App Accepted Pending Payment’ to ‘Awaiting Documents’.

If the valuation fee isn't paid within three days:

• The case status will change to ‘App Not Proceeding’
• You’ll need to get in touch to have the status reversed to ‘App Accepted Pending Payment’ so you can pay the fee. This will generate a new search and reassessment, and if circumstances have changed then we may not be able to proceed with the case
• We can withdraw our products at any time, which means that if the chosen product is no longer available, you’ll need to select a different rate.

To view and download any documents please click on the ‘Case documents’ tab. Here you’ll be able to view and download the valuation report, Offer documents etc. Please be aware that it can take up to 48 hours for the Offer to be available here.

Navigate to the case you want to edit the AIP for and make sure you’re on the ‘Overview’ tab.

Scroll down to the ‘Case history’ section and click ‘Edit as new Aip’.

Read the pop-up message asking if you’re sure you want to edit the AIP.

Important: Editing the AIP will cancel the previous decision. If the submission is edited and the chosen mortgage product has been withdrawn, a new product must be selected to continue with the application.

If you’re happy with this, click ‘Continue’.

You’ll be taken to the original application form and all the previous information entered will pull through showing each section as ‘Complete’.

You’re now ready to edit the AIP and make changes to any section you want, without having to input all the information again from scratch.