Application process

We've outlined below the steps you take when you start your client's application with us for a Retirement Interest Only Mortgage.

  1. 1

    Decision in Principle (DIP)

    When your client is considering a RIO you'll submit their details to us for a DIP. An affordability assessment will be completed at this stage as well as a soft credit search.

  2. 2

    Mortgage illustration

    The mortgage illustration (ESIS) will show the product that is being recommended for the applicant/applicants’. An ESIS will also describe the risks and benefits, amount of money they could borrow, costs and estimated value of the property.

  3. 3

    Application Submission

    Application for the mortgage is submitted. The applicant’s document proofs will be checked specifically with regards to income and expenditure.

Key documents

Who should I contact if I have a query about my application?

Call our team on 03330 048 444 or email us.

Monday to Friday, 9.00am to 5.30pm.

We may record and monitor calls. Call charges may vary.

If you're contacting us by email please remember not to send any personal, financial or banking information belonging to you or your client because email is not a secure method of communication.

How will I be updated on the progress of an application?

Once an application is submitted, you can check the status of your application through our portal.

When you log in, the summary page will show you the current status of your applications.

You can click on the application summary section to immediately see if there have been any updates.

You’ll also be able to see in the notes section if our underwriters have requested additional information.