Great news! We’ve simplified our full mortgage application (FMA) process in Introducer Internet to help improve our service and reduce your client’s time to offer.
Removed some of the questions we ask you in the residential FMA including our eligibility policy check questions to help reduce the time it takes to complete.
Tailored our evidence requirements outputs to provide further guidance and reduce the amount of information we need post-submission.
Added a new warning message to let you know when a product you’ve selected has been withdrawn.
Please note you’ll still be able to find our eligibility questions in the residential lending guide for information purposes only.

Residential self-employed applications

You’ll now be asked in Introducer Internet whether your client’s business or income was adversely affected by Covid-19?

We’ll consider your client as adversely affected where any of the below apply:

·    A business which is not currently trading or has been re-opened for less than three months.

·    Where the business has taken an SEISS, JRS grant (for limited companies) or Bounce-back, BBIL or CBIL loans in the 12 months prior to the date of application.

·    Staff have previously been furloughed due to business trading conditions in the 12 months prior to the date of application.

We’ve updated our self-employed webpage and our self-employed packaging guide.

Where your client’s business or income has been adversely affected by Covid-19, please call us before case submission so we can discuss our case packaging requirements.