Next Steps For Moving Your Mortgage

What to expect

The following outlines the next steps when moving your mortgage to us.

Step 1. Start your application

You can either give us a call or apply online using our find the mortgage for you tool. If you apply online you’ll need to fill in some details, then we’ll call you back. If you apply on the phone we’ll get this information there and then and should be able to give you an Agreement in Principle straightaway.

Step 2. Agreement in Principle

We’ll run through an eligibility and affordability assessment with you during our first phone call. We should then be able to give you an Agreement in Principle (AIP) instantly.

The AIP process considers your income and outgoings, so have these details to hand. And make sure you’re somewhere you feel comfortable sharing this information over the phone. It could include:

income
credit, store or charge card balances
loans (both sole and joint applicants)
car leases
pensions
school fees
childcare
divorce settlement payments

We’ll tell you which documents you need to send us to support your application.

Step 3. Agreeing your rate

After we’ve received the documents, UWS will send a text to you once the documents have been assessed. You can either call us or you can book an appointment via the link sent in the text message.

They’ll review your mortgage details and secure your rate. With some mortgages you may need to pay a booking fee to do this. These are non-refundable but you can transfer booking fees to a new deal if needed.

Step 4. Property valuation

Step 5. Your mortgage documents

Step 6. The legal bits

When we give you your Mortgage Offer, we’ll get our conveyancing partner enact Opens an overlay [Will show a security message first] Opens an overlay [Will show a security message first] to deal with all the legal bits of your application and to make sure your property is suitable.

enact Opens an overlay [Will show a security message first] Opens an overlay [Will show a security message first] will get in touch with you for any further information they might need. The whole process may take a number of weeks to be completed, but you can give us a call or ask us to send you text message updates if you’d like to be kept in the loop.

Step 7. Your mortgage completion date

Step 8. It’s official

Before you apply

Useful documents

Get in touch

Are you in the market for a new mortgage? Do you have a question about your recent application? Or perhaps you’re ready to pay off your mortgage? Whatever your query, we can help you find the right team who can answer it.

Next steps: Move your mortgage to us