If you would like to tell someone about your mortgage, call us on 0800 30 20 11 or visit your local office. If you would like to know more about the impact of your overpayment reserve on your mortgage, please call us on 0800 30 20 11. You can apply for a new mortgage with us in two simple steps. A DIP certificate is a free and non-binding confirmation if we are willing to lend you something. You can receive an ID before making an offer for a property and you can apply online, even if you want to continue your application by phone or in the store. Viewing an IDR involves a gentle credit review and has no influence on your credit score. Once we have received and approved your mortgage receipts, we will make a decision and inform you of your official mortgage offer within 2 weeks. You have two weeks to decide whether or not to accept the firm offer. Within 7 business days of the end of your mortgage, we will tell you how much your new mortgage payment will be – and when we will need it.
This will be a new mortgage payment in addition to your current monthly mortgage payment. If you apply online, but decide at any time where you want advice, you can always stop where you are and finish your application by phone or at the office. We hope you found this guide useful. If you would like to speak to one of our mortgage experts, call us on 0800 30 20 10 (Monday to Friday from 8am to 8pm and Saturday from 9am to 5pm) or go to the store. We are closed on Sundays and public holidays. When your application is complete, we will keep you informed if we need additional documentation or information and we will keep you informed of your application status. For more information on the documents we need, please see our Mortgage Application Guide. If you know the zip code, you can use the `What Region?` Finder on our home price index calculator. If you don`t know the zip code, please read this map that describes all regions nationally. If you are looking for a mortgage, you need to think: Find out if changing or terminating a mortgage could mean paying fees and fees. The individual survey may be sufficient to guarantee a mortgage. However, if the property is older or if the investigation raises concerns, you should also receive an investigation into the structure.
Before applying for a mortgage and often before making an offer for a property, you need a policy decision (DIP). This is also called agreement in principle (AIP) or loan certificate. It confirms what we would be willing to lend you. If you apply online, apply for your additional loan without the advice of one of our mortgage advisors. This means that you need to be sure that the mortgage you choose meets your needs, and you will be solely responsible for your choice. If you are comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you are responsible for the mortgage you choose. You do not receive any advice from us, so you will not be protected if you decide later that the mortgage you chose was not appropriate.
Visit our Mortgage Help section to learn more about changes to your mortgage, fees and fees or payment difficulties. Most first-time buyers need a mortgage to help them buy their first home. This is money that you borrow from a bank or a real estate credit union and that you will repay over several years. Information that shows you how managing your mortgage online can make things easier for you. We do a gentle credit test as part of the DIP process. Soft credit controls have no influence on your credit quality. You do not appear to lenders in your credit report and have no influence on your ability to apply for loans in the future. A DIP is not a mortgage offer and you should always make a full application to see if you can get a mortgage from us.