No, LTV limits are inclusive of any fees.

If the case status is a DIP refer, you will not be able to make amendments until an underwriter has reviewed the case and provided a decision.

If the case status is 'DIP accept' or 'DIP KFI produced', you will be able to access the case on the portal and click 'edit submitted DIP.'

Where all or part of an applicant’s income derives from foreign currency, this will need to be stated when submitting the case via our online portal.

In the ‘Loan Details’ section of the DIP process you will be asked ‘Is the basis for paying this loan in a currency other than GBP?’ to which you must select ‘yes’.

Once you have selected this, you will be presented with a drop-down of foreign currencies to select from. If you require further support, please contact our BDM team. 

Please email the mortgage sales mailbox at [email protected] and one of our team will respond to your request.

The Society will use the income shown in the Accounts or Accountant’s letter.

If profit has increased by more than 25% in the last 12 months an average of the last 3 years’ net profits will ordinarily be used. It will be permissible to use the latest figures where there has been more than a 25% rise if a satisfactory explanation can be given and the Underwriter is satisfied that the increase is sustainable.

For a Director who owns more than 25% of a limited company, we will use the remuneration for the Director plus their share of regular dividends based on an examination of dividends paid in the last 3 years.

Please note we accept SA302's or, Tax Calculations with corresponding Tax Overviews as proof of income.

Please ignore the checklist items on the portal and refer to the emails from our team for outstanding items. The checklist functionality is not used. 

We ask that identification (name and address) is certified by the broker. Other documents do not need to be certified unless we have specifically requested this.