Frequently asked questions
We’ve listed below the questions we’re asked most about our online mortgage service. And, you can also view our Guide to our Online Mortgage Service (PDF) which is full of information to help you get started.
-
Our online mortgage service lets you:
- Create Mortgage Illustrations
- Get Decisions in Principle
- Submit Full Applications
- Track your cases
-
- New Professional or Flexible Customers (including existing Scottish Widows Bank customers who are not porting or applying for a further advance)
- Mortgages up to £1m
- Mortgages on a repayment basis, interest only basis, or part and part.
For existing customer applications, borrowing above £1m or equity release please visit our website or call us on 0345 845 0110. Our lines are open 8am to 6pm Monday to Friday.
-
Before you apply online for a Scottish Widows Bank mortgage, please check your client is eligible for our Professional Mortgage or Flexible Mortgage. It’s very important you read this information before you begin.
-
- When inputting client data, please ensure you enter data using the correct upper and lower case letters.
- For Professional Mortgage applications, please always ensure the professional applicant’s details are entered as the first applicant.
- If you require a printed copy of the Decision in Principle or Full Application information that you’ve submitted, you’ll be given an opportunity to print this information once you’ve entered the data. If you don’t print this information when prompted, you can still obtain a printed copy by calling us on 0345 845 0110. Our lines are open 8am to 6pm Monday to Friday.
- Decisions in Principle include a ‘soft’ credit search. Full Applications involve a full credit search.
-
Please refer to the client checklist (PDF) which outlines the information required in order to obtain a Mortgage Illustration, DIP or submit a Full Application.
-
Please enter the information you have available. You’ll not be able to progress past any fields marked with a red asterisk without completing the required information. If you don’t have the required information select “Save and Exit”. You’ll then be able to locate and update the DIP with the required information at a later stage. Please refer to the client checklist (PDF) which outlines the information required in order to obtain a DIP.
-
Please enter the information you have available. You’ll not be able to progress past any fields marked with a red asterisk without completing the required information. If you don’t have the required information select “Save and Exit”. You’ll then be able to locate and update the Full Application with the required information at a later stage. Please refer to the client checklist (PDF) which outlines the information required in order to submit a Full Application.
-
This will vary depending on a number of factors; including number of applicants, address history, employment history etc. As a general indication please allow 15-20 minutes for a single applicant DIP application.
-
Your application should be saved. If you experience any issues please contact us on 0345 845 6789. Lines are open 9am to 5pm Monday to Friday.
-
No, if a case has been started by telephone, it’s not possible to progress it using the online mortgage service - you’ll need to progress the case by telephone.
-
Yes, you can check progress by using the Case Tracking option available from the left hand menu of any screen.
-
For processing queries please contact us on 0345 845 6789. Lines are open 9am to 5pm Monday to Friday. For product queries please refer to our website or contact us on the details quoted above.
-
Once an application has been submitted you’ll receive an instant online update with an explanation of the next steps. If you need further assistance please contact us on 0345 845 0110, selecting option two then three. Our lines are open 8am to 6pm Monday to Friday.
-
No, for security reasons one set of user details are provided per individual registered to introduce mortgage applications to Scottish Widows Bank.
-
You’ll receive an instant online update with an explanation of the next steps. If you need more information please contact us on 0345 845 0110, selecting option two then three. Our lines are open 8am to 6pm Monday to Friday.
-
Only the Network/Club details you have previously provided will be available. Please note that if you’re set up as either a Club or a Network (or both), always select the Club or Network you are using for each specific case.
If you’d like to amend these details please contact us on 0345 845 0110, selecting option two then one. Our lines are open 8am to 6pm Monday to Friday. Please note a new registration form (PDF, 550KB) needs to be completed and submitted to add new introduction routes.
-
In these circumstances you’ll need to re register with Scottish Widows Bank by providing your new employer details. Your existing access will be withdrawn and you’ll receive new log in details. Please note you won’t have access to applications submitted using your previous employer details after your access has been withdrawn.
-
Please exit the system immediately and contact us on 0345 845 0110, selecting option two then one. Our lines are open 8am to 6pm Monday to Friday.
-
No, your procuration fee will be paid in exactly the same way.
-
Please select "Change my Password/PIN" from the left hand column of any screen.
-
Once you’ve submitted a DIP and received a decision the details you entered cannot be amended. If you need to amend the client details or borrowing requirements please submit a new DIP application.
-
Once you’ve submitted a Full Application and received a decision the details you entered cannot be amended. If the application is proceeding please contact your named underwriter on 0345 845 0110 select option two then three. Our lines are open 8am to 6pm Monday to Friday. Alternatively please e-mail your underwriter directly.
-
Once a rate/product has been withdrawn you’ll be unable to progress your application. Please review the new rates/products available and if appropriate please reapply using a new rate/product.
-
No, the Mortgage Illustration will not display any information about offset. To get a projection of how a client can benefit from offsetting, you can use the following offset calculator.
-
You only need to complete a separate Direct Debit Mandate if your client is using different nominated accounts for their mortgage and Offset Saver Account. If your client does need separate nominated accounts, please print and complete two copies of the Direct Debit Mandate.
-
Please contact us on 0345 845 0110, selecting option two then one. Our lines are open 8am to 6pm Monday to Friday.
-
If a residential property has Consent to Let, it should be input as a Buy to Let mortgage in the ‘Mortgage Commitments’ section (you shouldn’t enter the details as a residential property). This information should also be entered in the "Additional Notes" section at the end of a DIP and Full Application.
-
It’s important that the shareholding percentage entered corresponds to the income / company profit. For example, a 50% shareholder within a partnership has net income of £70,000; the company profit should therefore read as £140,000.
-
No, we’ll contact your client directly to arrange payment of the valuation fee.
Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.