Apply - How to

  1. Register with us

    Register for our Online Intermediary Services.

  2. Set up your payment route   

    This is extremely important unless your procuration fee is paid directly to your Network or Company as we are unable to change the payment route once a Decision in Principle has been submitted.

    To set up your payment route:

    1. Login to our Online Intermediary Services

    2. Click on 'Role Profile'

    3. Select 'Change my submission route list’

    4. Move the preferred payment routes from the left box to the right, using the arrows

    5. Enter your password and save

    If you have received a DIP approval and have not yet set up your payment route, you will need to complete the above steps and then click ‘proceed’ on your Decision in Principle. You will then need to click on ‘Submission Details’ along the left hand side. 

     You will now be able to amend your mortgage club and re submit the DIP. 

    After you submit the Full Mortgage Application, we cannot change your payment route. Click here for details on our procuration fee payments.  

  3. Apply for a Decision in Principle   

    Once logged into our Intermediary Portal, click ‘Decision in Principle’ to complete the step-by-step process. You will be prompted to select a product; however the product is only secured once the Full Mortgage Application has been submitted.

    All Decision in Principle’s will refer to our Underwriters, our service levels can be found here.

  4. Submit your application

    Now you have your Decision in Principle, you can proceed to Full Mortgage Application via our Online Intermediary Services by selecting the ‘Proceed’ button.

  5. Payment of fees

    If applicable, the application fee will need to be paid by debit card on submission, this is non-refundable. The completion fee can also be paid at this time, alternatively it can be added to the loan.

    Important information: The mortgage valuation will be instructed on the day the case is assigned to a case packager.

    If a valuation fee is applicable our panel manager, Legal and General, will contact your customer(s) directly to arrange for the fee to be paid.

    If the supporting documents do not match the information declared on the Decision in Principle, the case may be declined and the application fee along with any valuation fee paid will be non-refundable. 

  6. Supporting documents and valuation

    Visit our Proof of income and Acceptable Identification guides for a full list of documents you'll need to upload.

    If applicable, you'll also need to upload any additional documentation requested in your Decision in Principle approval email.

    Please upload all supporting documents directly to our Online Intermediary Service for a case packager to review.

    Your case packager will review these documents and be in contact if anything further is required.

  7. Interest Only applicants (Residential only)

    If your customer has chosen Interest Only as their repayment method please also ask them to sign the Interest Only form and upload it to your Online Intermediary Services.

  8. Solicitors

    The Cambridge uses an approved solicitor panel. If your customer's chosen Solicitor is not on our existing panel and you’d like us to consider adding a Solicitor, the Solicitor will need to apply via Lender Exchange and be eligible based on our criteria. You can contact Lender Exchange on 0344 244 3784 to discuss the application process.

    If your customer has selected a non-panel Solicitor, they’ll be responsible for our legal fees in addition to their own legal fees, as we will instruct a solicitor on our behalf to check the legal work. A summary of these legal fees can be found here.

  9. View your offer

    You can now access the mortgage offer through our Online Intermediary Services.

  10. Completion

    The mortgage is now complete, and we'll pay your procuration fee within 30 days of completion.