How to Apply

1. Lending Policy

Please refer to our Criteria section. Is your client likely to be accepted?

2. Login

To begin an application you will need to login using your unique username and password. These will have been set by you following completion of the registration process.

3. Start Application

Once logged in, please select 'New Cases' and confirm this application meets our minimum criteria.

4. Affordability Calculator

Complete the loan details as requested by the on-screen prompts. Can your client afford the mortgage amount required?

Please see additional notes

5. Decision In Principle (DIP)

If your client(s) can borrow the requested amount, please follow the final steps to receive an online DIP. This will generate a reference number unique to your client(s), please quote this number if calling with any queries relating to this DIP. Once you have received a decision you then have the option to clone the DIP (maximum 5 DIPs) where you can change some details, e.g. increase loan amount, or amend term, if you require multiple decisions during your advised interview.

If you wish to clone a previous DIP, you will need to revisit some of the pages and confirm information; however you will not have to re-key everything again. Once affordability and a decision have been accepted you can then proceed to full application submission with the DIP that is correct to meet your client(s) needs.

6. Full Application Submission

From the 'My Cases' screen you can select a DIP that has been accepted and proceed to application. You cannot apply for any cases that have been declined or referred and may only do so if the initial decision of decline/refer is superseded with an accept decision, following review by one of our Underwriters.

You can do this by choosing the 'Apply' option alongside the DIP you wish to proceed with.

Please see additional notes

7. Payment of Fees

Your client(s) can pay fees in one of the following two ways once your application has been vetted and a confirmation email has been sent by our Underwriter:

A) Customer card payment over the phone

Your client(s) can call our dedicated team on 0345 734 4345 to make a one off card payment.

Please note, the card holder must be present in order for this to be processed.

B) Send us a cheque

You can send us a cheque from any UK Bank or Building Society account in your client(s) name(s). This must be made payable to: Newcastle Building Society, Re: the applicants name(s) and their online reference number.

Please send this cheque to: Mortgage Operations, 1 Cobalt Park Way, Wallsend, NE28 9EJ.

In addition, please remember to draw a line through any unused space on the cheque.

8. Declaration, Direct Debit Mandate & Minimum Packaging Requirements

Print the Declaration and Direct Debit Mandate and ask your client(s) to complete the required fields. We require both you and your client(s) to read, date and sign the declaration.

Alternatively, we can accept a signed declaration from our Data Capture form if this has already been obtained (Residential Only).

Details of our minimum packaging requirements can be found here

Obtain all supporting information that is applicable to your client(s) via our 'What to Send' form in our useful documents section of our website. Please scan & return the completed Declaration, Direct Debit Mandate and all supporting information electronically via our Document Upload service.

This allows for a faster, more streamlined service to be provided to you and your client(s). This service is simple to use, for more information please view our handy guide by clicking here.

We will not start processing your case until your declaration is received and any fees to be paid upfront have been received.