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Frequently asked questions
Get a Mortgage Illustration

If you are already registered with us, please log in before you create an illustration. You will be able to see any illustrations you have already created and save any new one you create.

If you are not already registered, you will be given the option to register to use the portal after you have created your first illustration.

In order to start your application you need to confirm a few important details.


Can I apply online?


  • to be a UK resident
  • be at least 18 years of age for a residential mortgage
  • to at least be able to provide at least three years of UK address history
  • to have never had a home repossessed
  • to have been discharged for a minimum of 6 years for bankrupts/IVA's
  • to have no more than two applicants for this mortgage
  • for residential, self-build or retirement interest only mortgages the property location needs to be within England, Wales or Scotland (Scottish Islands on referral) for buy-to-let, shared ownership or near prime mortgages the property location needs to be within England or Wales
  • to be paid in pounds sterling
  • not require an interest Only mortgage above 80% LTV
  • have a single basic income of £20,000 (gross) for the purposes of a Buy to Let mortgage

I have checked that my client(s) mortgage requirements do not exceed 5x joint income. I understand that any income multiple greater than those stated in the lending criteria may be subject to further referral requests

Please read our criteria to ensure your customer meets our requirements


If you cannot confirm your client(s) qualify but would like to talk to us, please ring 01782 255 000. Option 1 for Hanley Intermediaries then Option 1 for New Business Equiries.


A buy to let mortgage is a loan for purchasing or refinancing residential property which is let to tenants rather than lived in by the borrower.

Do you intend to rent the property out to your family/close relatives, or do you intend to live in the property in the future?

*

Have you ever lived in the property, or is the property inherited?

*

Initial Disclosure Information

The FCA is the independent watchdog that regulates financial services. This notice is designed by the FCA to be shown to consumers considering buying certain financial products. You need to read this important notice. It explains the service you are being offered and how you will pay for it.


Whose products do we offer?

We only offer our own mortgage products.


Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products we show you.


What will you have to pay us for our services?

You will receive an illustration when considering a particular mortgage which will tell you about any fees relating to it.



I am happy to proceed and I understand that if I choose to use this online service. I will not receive any advice or recommendation.



I do not want to continue using the online service. I would like to receive advice and a recommendation.

  1. About You
  2. Your Income
  3. Your Outgoings
  4. Choose a Product
  5. Get an Illustration

About You

If you are already registered with us, you may wish to log on so you can save and retrieve your illustrations.

If you are not already registered, you will be given the option to do so on the Illustration page.

We need to ask you a few questions before you can choose a product.

* Indicates required field

Second person

Before we continue we need to confirm you are not a robot!


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Your Income

 Please enter details about your client(s) income






Please enter at least one income.

Enter all income, relating to your employment

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getEmploymentIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:'' }} {{ income.NetMonthlyAmount | currency:'' }}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[0].TotalEmploymentGrossIncome.toFixed(2) | currency:'' }} {{ model.Step2Incoming.IncomeCollection[0].TotalEmploymentIncome.toFixed(2) | currency:'' }}

Self-employment

Year must be valid and equal to or less than the current year

Year must be entered if amount is filled

Last 3 years' net company profit


Year ended (YYYY) Dividend

Last 3 years' total company dividend


Year ended (YYYY) Dividend

Enter all income relating to your Self-employment

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getSelfEmploymentIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:'' }} {{ income.NetMonthlyAmount | currency:''}}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[0].TotalSelfEmploymentGrossIncome.toFixed(2) | currency:''}} {{ model.Step2Incoming.IncomeCollection[0].TotalSelfEmploymentIncome.toFixed(2) | currency:''}}

Other Income for {{ model.Step1.Applicants[0].Forename }} {{ model.Step1.Applicants[0].Surname }}

Please give details of any other income you may have (e.g. pay you get from a second job, share dividends, maintenance payments received under a court order, rental from investment properties).

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getOtherIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:''}} {{ income.NetMonthlyAmount | currency:''}}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[0].TotalOtherGrossIncome.toFixed(2) | currency:'' }} {{ model.Step2Incoming.IncomeCollection[0].TotalOtherIncome.toFixed(2) | currency:'' }}





Please enter at least one income.

Enter all income, relating to your employment

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getEmploymentIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:'' }} {{ income.NetMonthlyAmount | currency:'' }}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[1].TotalEmploymentGrossIncome.toFixed(2) | currency:'' }} {{ model.Step2Incoming.IncomeCollection[1].TotalEmploymentIncome.toFixed(2) | currency:'' }}

Self-employment

Year must be valid and equal to or less than the current year

Year must be entered if amount is filled

Last 3 years' net company profit


Year ended (YYYY) Dividend

Last 3 years' total company dividend


Year ended (YYYY) Dividend

Enter all income relating to your Self-employment

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getSelfEmploymentIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:'' }} {{ income.NetMonthlyAmount | currency:''}}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[1].TotalSelfEmploymentGrossIncome.toFixed(2) | currency:''}} {{ model.Step2Incoming.IncomeCollection[1].TotalSelfEmploymentIncome.toFixed(2) | currency:''}}

Other Income for {{ model.Step1.Applicants[1].Forename }} {{ model.Step1.Applicants[1].Surname }}

Please give details of any other income you may have (e.g. pay you get from a second job, share dividends, maintenance payments received under a court order, rental from investment properties).

This is the amount before tax and national insurance has been taken out.
This will be used to identify affordable products

List of all income that will be used to assess this illustration

Type of income Annual gross amount Monthly net amount
{{ getOtherIncomeTypeText(income.TypeId) }} {{ income.GrossAnnualAmount | currency:''}} {{ income.NetMonthlyAmount | currency:''}}
Total income to be used in assessment {{ model.Step2Incoming.IncomeCollection[1].TotalOtherGrossIncome.toFixed(2) | currency:'' }} {{ model.Step2Incoming.IncomeCollection[1].TotalOtherIncome.toFixed(2) | currency:'' }}

Outgoings for {{ model.Step1.Applicants[0].Forename }} {{ model.Step1.Applicants[0].Surname }}

Record information about your monthly outgoings here. For joint outgoings enter the amount against one person.
Record information about your monthly outgoings here. For joint outgoings enter the amount against one person. For joint outgoings enter the amount against one person.
Typical monthly costs


Record any additional outgoings

Type of outgoing Amount
{{ getAdditionalOutgoingTypeText(outgoing.TypeId) }} {{ outgoing.NetMonthlyAmount | currency:'' }}
Total {{ model.ApplyKfiOutgoingStep.Outgoings[0].TotalAdditionalOutgoings.toFixed(2)| currency:'' }}

Record information about any credit cards, store cards or loans here , for joint loans enter the amount against one person.

Type of outgoing Name of provider Amount Cleared monthly Outstanding debt Consolidated amount Months to run
{{ getLoanTypeText(loan.TypeId) }} {{ loan.FinanceProvider }} {{ loan.NetMonthlyAmount | currency:''}} {{ loan.CardClearedMonthlyCaption}} {{ loan.TotalOutstandingDebt | currency:''}} {{ loan.TotalToConsolidateDebt | currency:'' }} {{ loan.RestMonths }}
Total {{ model.ApplyKfiOutgoingStep.Outgoings[0].TotalLoan.toFixed(2) | currency:'' }} {{ model.ApplyKfiOutgoingStep.Outgoings[0].TotalLoanOutstandingDebt.toFixed(2) | currency:'' }} {{ model.ApplyKfiOutgoingStep.Outgoings[0].TotalLoanToConsolidateDebt.toFixed(2) | currency:''}}

Outgoings for {{ model.Step1.Applicants[1].Forename }} {{ model.Step1.Applicants[1].Surname }}

Record information about your monthly outgoings here. For joint outgoings enter the amount against one person.
Record information about your monthly outgoings here. For joint outgoings enter the amount against one person. For joint outgoings enter the amount against one person.
Typical monthly costs


Record any additional outgoings

Type of outgoing Amount
{{ getAdditionalOutgoingTypeText(outgoing.TypeId) }} {{ outgoing.NetMonthlyAmount | currency:'' }}
Total {{ model.ApplyKfiOutgoingStep.Outgoings[1].TotalAdditionalOutgoings.toFixed(2)| currency:'' }}

Record information about any credit cards, store cards or loans here , for joint loans enter the amount against one person.

Type of outgoing Name of provider Amount Cleared monthly Outstanding debt Consolidated amount Months to run
{{ getLoanTypeText(loan.TypeId) }} {{ loan.FinanceProvider }} {{ loan.NetMonthlyAmount | currency:''}} {{ loan.CardClearedMonthlyCaption}} {{ loan.TotalOutstandingDebt | currency:''}} {{ loan.TotalToConsolidateDebt | currency:'' }} {{ loan.RestMonths }}
Total {{ model.ApplyKfiOutgoingStep.Outgoings[1].TotalLoan.toFixed(2) | currency:'' }} {{ model.ApplyKfiOutgoingStep.Outgoings[1].TotalLoanOutstandingDebt.toFixed(2) | currency:'' }} {{ model.ApplyKfiOutgoingStep.Outgoings[1].TotalLoanToConsolidateDebt.toFixed(2) | currency:''}}

Choose a Product

Once you have entered your client(s) mortgage requirements, you will be able to see a list of products to choose from.

* Indicates required field

The total property price is too high to continue online, please contact us to discuss
This is 100% of the property price, not just your share
Enter a value between 0 and 11 months
The element of the mortgage whose capital balance will go down during the term of the loan
The element of the mortgage for which you have made other arrangements to pay back the capital

When you Continue you will be asked for additional information to support your DIP request.



If you want to change any details you can. You will then need to select the 'Get Products' button again.
We will provide one illustration and then ask you to register to get more.
Description of fee Amount
{{ fee.Description }} {{ fee.Amount | currency:''}}

Features of the product

Fees and features Close
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Get an Illustration

Fees you can add to mortgage

If you can't afford to pay these fees right now, you have the option of adding some of them to your mortgage. However, this can be expensive as you'll pay interest on the fee for many years to come.

To see the effect of adding fees to your mortgage, select 'Add to your mortgage' before you get your illustration

Fee Amount How you will pay the fee
{{ fee.Description }} {{ fee.Amount | currency:''}}
{{ getFeeActionText(fee) }}

Remember that choosing to add fees to the mortgage will increase the amount you have asked to borrow and also increase your monthly repayments. You can not add fee's if it exceeds the product's maximum Loan to Value (LTV)

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The revised initial monthly payment, taking into account adding fees to the mortgage will be: {{ model.Step3.CalculatedRepayment | currency:'' }}

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Please enter additional information to support your request for a decision in principle.

Submitting your Illustration..


Your illustration is now available.

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View Illustration

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Register with us if you want to save this illustration, create more illustrations or apply for your mortgage online.

By registering you will also be able to manage your illustrations and applications, contact us using secure messaging, manage your personal details and follow the progress of your mortgage application.

Would you like to register?

You will not be able to retrieve your illustration

Once you progress past this point you will be unable to go back to or amend the data entered in the previous tabs.


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* Indicates required field
{{ model.Registrant.Applicant.Forename }}
{{ model.Registrant.Applicant.Surname }}

You will need to enter a mobile telephone number to receive text alerts

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Click here to change the address

You can search using postcode only or by providing house number as well.
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Enter address manually

If you know your postcode click here

Registering Applicant
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