3 quick steps to an online conditional offer

We've made the online application process as quick and simple as possible:

• It's fast - get a quote, KFI, complete a paperless mortgage application and get an instant decision in around 20 minutes online
• For accepted cases you'll get a conditional offer detailing the checks we need to get to formal offer
• Get to formal offer in as little as 48 hours. We don't need to verify income up to at least 75% LTV and use automated valuations, credit and ID checks for a fast track process
• Renowned customer service - our standards have earned us the praise of customers, financial advisers and industry awards

Step 1. Get a quick online quote - 1 minute

We have two quick quote calculators - one for residential mortgages and one for Buy to Let. Each one:

• Gives an instant indication of the costs and features of our Freestyle ® Mortgages based on just a few quick questions
• Lets you add additional mortgage features as required
• Lets you save the quotes in your secure My Quotes area where they are updated if our rates change

If you need an accurate reflection of how much we will lend use our how much can I borrow? calculator.

Step 2. Request an illustration - 3 minutes

Once you've saved your quick quote, your next step is to request a no-obligation KFI. Our KFIs are:

• Valid longer than sourcing system KFIs
  • 30 day validity on variable products
  • 7 day validity on fixed rate products
• Compliance made easy - penny accurate and regulatory compliant
• Exempt from credit check
• Stored in your My Quotes area, downloadable and can be emailed to you

Step 3. Apply online - 15 minutes

Once you're happy to progress you can complete a full, online application in around 15 minutes.

Our online application process provides:

• Instant decision
• An offer subject only to valuation and any necessary employment and ID checks
• Ability to save your progress at any time and complete the application later
• Paperless process
• Only relevant questions to the specific application
• Electronic ID verification meaning that proof of ID is rarely needed
• Electronic credit score
• Automatic valuations for remortgages
• Formal offer in as little as 48 hours

You might want to use our our Mortgage Application Checklist or if you are applying for a Buy to Let mortgage use our Buy to Let Application Checklist to make sure you have all the information you''ll need.

You can call us at any time throughout the process on 0845 845 8451 (or 0845 606 6710 for Buy to Let). Call charges may vary.

We are open:
Mon-Fri 8am-6pm

Dedicated services for other mortgages:

• Lifetime mortgages

To apply for a Lifetime Mortgage just call us on 0845 609 0254.

If you have a hearing or speech difficulty please call our textphone facility on 0845 601 2346 (call charges may vary).