Step One

Check if you are eligible to apply for our Secured Loan and if so, complete our quick online application form.

Step Two

One of our qualified underwriters will call you to go through your application in detail and provide you with a quote based on your requirements and circumstances.

Step Three

We will send you a pack in the post or by email (according to your preference) for you to check and sign which will include:

  • Adequate Explanations: This document details the characteristics of the product, fees and our remuneration.
  • Mortgage Illustration (European Standard Information Sheet or ESIS): This contains the main features of the product, cost of credit, your rights and obligations, additional features and complaints procedure.

You should read these documents carefully and understand the agreement which you are entering into. If you have any questions regarding the agreement, please call a member of our customer service team on 01253 603950.

Step Four

On receipt of your signed documents and any other information we have requested, we will issue you with a Binding Mortgage Offer. 

Before we fund your loan, we will have a final call with you to re-confirm you are happy with the terms and conditions, set up your direct debit, answer any questions you may have and release your funds.