• Online trading

    Before you can obtain a residential or BTL KFI, or an AIP, or submit an application online, you will need to:

    • Have joined our panel, click here and
    • Have registered to use our online trading service, see button on right of page.
      • Please keep a note of your username and password
    We will confirm your online registration by email.

    Please note
    • We operate an individual log in system
    • You must not allow other advisers to use your login details
    • You must not process or submit any business on behalf of another adviser, only business for your own customers
    • Our AIP requires the property address to be input
      • Once you have submitted an AIP for your customer, a hard footprint will be left on their credit record
    • For information about our residential lending criteria, click here
    • For information about our BTL lending criteria, click here

  • Application types

    Our online trading service is available for residential and buy to let applications only.
    • The following types of application must be submitted on a paper application form:
      • Residential – porting a product where the LTV is increasing, RTB applications, key worker schemes and pieceworkers
      • Buy to Let – porting a product where the LTV is increasing
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  • Fees and maximum LTV

    • Some fees are automatically added to the loan and will be included in the maximum LTV for the product selected. The fees (if applicable) are:
      • Product arrangement fee
      • Higher lending charge
      • Electronic funds transfer fee £30
      • Own insurance fee £25.
    • When inputting the loan amount, you should reduce this accordingly, otherwise you will fail underwriting when submitting the AIP
      • If this happens, ‘copy AIP' and go back and reduce the loan amount and resubmit the AIP

    Note
    Booking fees and valuation fees are payable on application and are not added to the loan.

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  • Technical Information

    • Our system is compatible with Internet Explorer (version 6, 7 & 8)
      • If you use any other type of browser you will experience problems
      • Laptop users may experience problems so we recommend using a normal PC
    • Pop up blockers need to be switched off on your system

    Help with online trading

    • Our online trading service has a comprehensive Help and Advice section on the Home Page. If you need additional help, please call the Intermediary Support team on 0115 956 4714
    • If they are unable to deal with your query over the phone, you might be asked to set up a Screen Sharing session to look at your issue
    • When asked by the team member please click here (opens in new window) to set up the Screen Sharing session
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