Log in

We recently launched our fantastic new mortgage origination platform. We’re still in the process of moving our whole product range onto the new system, but we wanted you to start feeling the benefit of the new platform as soon as possible. You’ll need to register with the new IDI (Inviting Difference In) portal even if you are already registered on our current broker portal - we're calling that 'Classic'.

The new platform will generate a new username and password and for a period you will need to select the portal based on the application type you are submitting.

Before registering, please ensure you have all the appropriate authorisations from the Financial Conduct Authority (FCA) to submit applications.

'Classic broker portal'

Log into our previous broker portal to place and progress the following applications:

Specialist residential

Foreign nationals and returning expats
Retirement interest-only

Buy to let and limited company buy to let

Product transfers

Note: application reference numbers will begin with '0' or '33'.

Use this portal to progress any standard residential cases you've started but haven't fully packaged.

When is the rate secured?

The rate will be secured when the case is fully packaged.

How do I upload documents to the IDI broker portal?

To fully submit a case, you’ll need to upload several documents to verify your customer’s identity, residency, income, and other essential details.

Our new platform uses a combination of automated checks and manual reviews to make sure each document matches the information keyed into the system. This verification process streamlines the application and enhances the accuracy of our mortgage assessment.

Below is an example of the outstanding document screen:

Each document can be uploaded individually, or if you have multiple documents to attach, you can simply drag and drop them onto the page.

The AI within the platform will review the uploaded documents and attach them to the correct requirement.

If the platform fails to attach the document to the requirement, you can use the Select button to manually assign the document. You can do this using the Document Library on the left-hand side of the screen.

A green tick will be added to each of the document headings as the requirements are fulfilled. Once you have a full row of green ticks, the case is fully packaged and you’ll be able to move forward in the case.

I have uploaded all the requested documents, but the system is still asking for it to be uploaded – what do I do?

If these documents cannot be manually read by the system, you can assign the document to the correct requirements. You can do this by using the Select button on the requirement which will allow you to assign the document to it.

I’ve not uploaded all documents yet, but those that have been uploaded, haven’t been reviewed yet. Why is this?

The case will only be reviewed when all the requested documents have been uploaded.

My applicant is self-employed, how do I key this?

We look to use the figures from the latest years’ SA302 (for ltd company directors, salary and dividends). If income fluctuates over 20%, we reserve the right to obtain a reference from a suitably qualified accountant. We want to confirm that the latest year’s income is sustainable and discover why it fluctuated.

My clients have a mortgaged BTL in the background that is self-financing, and this mortgage is found within the credit commitments. How do I declare this to be self-financing?

The rent must cover the mortgage payment at 125% for us to take as self-financing and ignore the payment. Where the rent does not cover the mortgage payment at 125% you will need to key the shortfall down as a credit commitment.

Log in to submit business

'Classic broker portal'

New 'IDI broker portal'

Read our FAQs

Any questions, contact your local BDM