How to apply

Submitting an application

Once you're registered, follow the steps below to submit and track a mortgage application, from Decision in Principle through to offer.

• 1
  Lending policy Show

  Check that your client meets our Residential or Buy to Let criteria. Review our policies and determine if they are likely to be accepted. If yes, proceed with the application process. If not, please reach out to our Intermediary Support team. You can call 0345 602 2338, or email intermediary.lending@newcastle.co.uk and discuss whether we can consider your client. 

• 2
  Log in Show

  To start an application, you must log in. You can do this using the unique username and password chosen during the registration process. 

  Log in
• 3
  Start application Show

  After logging in, please click on 'Create new case' and make sure this application meets our minimum criteria. 

• 4
  Decision in Principle (DIP) Show

  Please follow the steps to receive an online Decision in Principle (DIP). A unique reference number will be created for your client(s). If you have any questions about the DIP, please provide this number.  

  Once you receive a decision, you can choose to edit the DIP up to ten times. This allows you to make changes to details such as increasing the loan amount, adjusting the term, or obtaining multiple decisions during your advised interview.  

  If you want to edit a previous DIP, you will need to revisit some pages and confirm the information. You won't have to enter all the details again. Once affordability and a decision have been accepted. You can proceed with the DIP that best meets your client(s) needs for the full application submission. 

• 5
  Full application submission Show

  On the 'View all cases' screen, you can choose a DIP that has been accepted and start the application process. You cannot apply for cases that have been declined or referred. Unless the initial decision is changed to accept after review by one of our underwriters.  

  To proceed with an application, select the 'Apply for a mortgage' option next to the desired DIP.  

  Before proceeding with the full application, please ensure that you have selected the correct DIP. You will be asked to confirm additional details, so we can complete the application process.  

  At this stage, you still have the option to edit a DIP. But you will need to enter all the details for the full application again.  

  Product funds will be booked once you submit the fully completed online application. You will see a confirmation page after submission. 

• 6
  Payment of fees Show

  After our underwriter has reviewed your application and sent a confirmation email. Your clients will have three options for paying fees.  

  1. Customer card payment over the phone. Your client can make a one-time payment using their card by calling our team on 0345 606 4488. Please note that the cardholder must be present during the call for the payment to be processed.  

  2. Sending a cheque. Cheques are to be made payable to Newcastle Building Society, followed by your client(s) name(s) and online reference number, for example: Newcastle Building Society, RE Mr A Smith, 123456789. Please send the cheque to:  Mortgage Lending Team, 1 Cobalt Park Way, Wallsend, NE28 9EJ. Make sure to draw a line through any unused space on the cheque. 

  3. Electronic transfer. Your client can make a payment via electric transfer using the full details provided at application stage.

  Please note: When your Client(s) attempt to make a payment with us, they may receive a warning message from their bank or building society. Some examples of the warning messages received might be ‘account type not supported’ or ‘unable to verify.’ This means their bank have not been able to check the name of the account holder for the payment they are attempting to send, and this is because whilst we are part of the Confirmation of Payee (CoP) scheme for Savings accounts, we are not currently part of the CoP scheme for Lending related account payments. However, if the details provided are correct, this will not prevent their payment reaching us.​

• 7
  Declaration, Direct Debit mandate and minimum packaging requirements Show

  Please print the Declaration and Direct Debit mandate which can be found within the documents tab, and have your client(s) fill in the required fields. Both you and your client(s) need to read, date, and sign the declaration.  

  Please obtain all applicable supporting information for your client(s). Once completed, please scan and upload the signed Declaration, Direct Debit mandate, and all supporting information. This can be done digitally through the 'Upload evidence' screen. 

  Please note that we will not produce a mortgage offer until we receive all supporting documents. This includes the signed declaration and any upfront fees that need to be paid. 

• 8
  Updates Show

  We will email you to confirm that we have received your application. Throughout the process, we will send regular emails to update you on the progress of your case. You can check the status of your case by visiting the 'View all cases' screen, under the tracking tab.   

  If you have any questions or want to talk about your application, please call our Intermediary Support Team on 0345 602 2338.