We’re enhancing our Bespoke Underwriting process

We’ve listened to your feedback and are very pleased to say that with effect from 10am today, Monday 10th December, we’re enhancing our Bespoke Underwriting process. You will now be able to access Bespoke Underwriting KFIs prior to recommending the product and submitting an application.

Our Bespoke Underwriting approach

Where it currently sits outside our lending criteria, our underwriters will continue to be able to review applications more flexibly and consider the following criteria on a case-by-base basis:

  • Flat roofs (over 45%)
  • Ex-local authority flats
  • Leasehold houses
  • Properties adjacent to commercial property
  • Flats over 6 storeys, with a lift
  • Listed properties

The new process

If your customer has a property that you think may qualify for Bespoke Underwriting please call or email our underwriting team, and they’ll be able to confirm whether the property is eligible. If the property is eligible, this new, more streamlined, process will be followed:

  • You will need to create a new client file on the KFI generator. For this you will need to know the full client name(s) and date(s) of birth.
  • We will then update the KFI generator so that the Bespoke Underwriting interest rate is applied to the client file
  • Once your client’s file has been updated we will contact you to confirm that you can create KFIs for the client
  • You will then be able to create KFIs and apply online as usual

Please note that:

  • Bespoke Underwriting is available on our main residence Interest Select Options and Voluntary Select Options
  • If Bespoke Underwriting is applied, the interest rate will increase by 0.50% MER (0.50% AER)
  • All other aspects of the products remain unchanged

Key documents

You can download the latest versions of our documents here:

If you would like us to post you any hard copies, please click here.

Contact us

If you’d like to get in touch with us, you can email us or call us on 0800 068 0212.