Our website provides you with details of all the mortgage deals we currently offer. To apply for a mortgage with us, we ask you to discuss your application with one of our trained Mortgage Advisers. You can do this at any of our branches. Simply contact the branch of your choice to arrange an appointment.

Our Mortgage Adviser will recommend which of our mortgages will best suit your circumstances. To do this, he or she will spend some time discussing with you your current and future requirements. You will be given a full mortgage illustration providing information about the mortgage recommended, the monthly repayment costs and any other associated charges and terms.

To help us process your mortgage application without delay, please bring with you:

• Proof of your identity
• Confirmation of current income
• If you currently have a mortgage with another lender, we also need a copy of your most recent mortgage statement

Proof of your identity
We are required by law to check the identity and address details of all account holders. If you already have an account with the Society, and the details we have about you have not changed, then we may not need to check your name and/or address. If you are not an existing customer with us, or if your details have changed, we will require two forms of identification: one from each of the following two lists. You cannot use the same document to verify your name and address.

List 1 - Proof of your name	List 2 - Proof of your address
Current signed passport	Utility bill (less than 3 months old and not a mobile phone bill)
Current UK driving licence (old full licence or new photocard licence)	Council tax bill (for the current year)
Inland Revenue Tax notification e.g. tax assessment, statement of account or notice of coding (P45s and P60s are not accepted)	Bank, building society or credit card statement (less than 3 months old)
Benefit book or original notification letter from the Benefits Agency confirming the right to benefits or state pension	Most recent mortgage statement from a recognised lender (less than 12 months old)
	Current UK driving licence (old full licence or new photocard licence)
	Benefit book or original notification letter from the Benefits Agency confirming the right to benefits or state pension
	Correspondence sent to you by the Inland Revenue

To confirm your income
Your last three months’ payslips and your previous year’s P60 tax certificate. 

If you are self-employed we ask to see your trading accounts for the previous three years.