From enquiry to settlement.
We lend through accredited brokers and advisers. The path from enquiry to settlement is deliberately clear.
The five steps, from scenario to settlement
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Scenario
Your broker submits the scenario: the borrower, the security property, the amount sought, the loan to value, the purpose, the term and the exit.
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Indicative terms
We review and, where the scenario fits, issue indicative terms quickly so you can advise your client with confidence.
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Due diligence
We complete our assessment: registered valuation, title and, where relevant, a Land Information Memorandum, together with customer due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and our credit assessment.
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Formal offer and documentation
We issue a Letter of Offer followed by the Loan Agreement and security documents. Your client's solicitor provides the usual certifications.
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Settlement
Settlement proceeds solicitor to solicitor and funds are advanced.
What to send with a scenario
- Borrower and guarantor details and entity structure
- Security property address, title and any existing finance and its priority
- Amount sought, purpose, term and proposed exit
- Indicative value or recent valuation
- Timeframe to settlement
A note for borrowers
We accept enquiries through accredited brokers and advisers. If you are a borrower, please speak to your mortgage adviser or broker, who can submit your scenario to us.
Ready to submit a scenario?
Send the checklist above through our enquiry form or by email, and we will come back to you promptly.