Home Finance Adviser Portal

The dashboard is one of the first things you’ll see when you log in to the portal. It groups your applications by their status, making it easy to find drafts and check on items that needs your attention.

You can access the portal on any device. Plus, we’ve made some user experience improvements so you should be able to easily get illustrations or check on applications more easily on the move.

You’ll be timed out of the portal after 15 minutes of inactivity for security reasons. If you were in the middle of inputting client details, your form will be auto-saved and you can pick up where you left off by visiting the Clients tab in the menu.

We’ve improved the way clubs are selected, giving you more control and flexibility over the process. You now have the option of selecting a club each time you fill in new client details, so you’ll just need to choose a club from the dropdown list if your preferred option isn’t already showing. Just so you know, club selections are optional - so you don’t need to make a choice to move forward with the illustration.

We’d recommend also checking the right club information is showing in section 16 of the illustration to prevent any delays during the application process. 

We don’t currently lend on certain freehold flats or on properties with a short lease. When you tell us about your client’s property type, we can provide more details about our lending criteria to help explain when we may not be able to provide a mortgage, saving you time further down the line.

If the property valuation differs from the estimate, then the amount your client can borrow might change. You can request to receive an email update from us if this happens, and we’ll also pause the application process to give you time to submit another illustration.

If your client’s birthday falls within the next 6 weeks they can benefit from the ‘use age next birthday’ option where we’ll base LTVs and borrowing thresholds on their age at the next birthday. In the case of joint borrowers, the ‘age next birthday’ option applies to the youngest borrower only. The ‘use age next birthday’ option will be automatically selected by default, but it’s worth noting that the loan can’t complete until your client reaches their birthday. If you need the loan to complete as quickly as possible, then you may prefer to de-select this option.  

We ask if you’re recommending the product to find out whether you’re exploring options or potentially using the illustration for a future application. The illustration you generate varies depending on your answer, so you’ll only be able to use the illustration to apply for the product if you’ve confirmed that you’re recommending it first.

We’ve improved our product selection page to show you which product may be best suited to your client based on the information you’ve given us. This product is presented at the top of the page and is calculated based on the best available interest rate for your chosen criteria.

The product selection page shows products including those which closely meet some, but not all, of your criteria.  This means that if there is any flexibility in your search criteria, one of these options may be more suitable.

For example, if you have searched for a specific initial loan amount of £15,000 but it is close to our LTV bandings, we may show you an option where your client could choose an initial loan amount of £14,000 but secure a lower interest rate as a result.