What's involved

There are just 4 simple steps to apply for a National Counties mortgage online. After Step 1 is complete you are able to save your progress so far to enable you to return to your application at a later time. Steps 2, 3 and 4 can be repeated and amended to reflect changes in your circumstances along the way. 

1.  Registration (compulsory - 3-5 minutes)

You are required to complete a short registration to enable you to use this Online service. The personal details submitted will then be stored for future use. Once you have registered, an activation code and user ID will be emailed to you. You will use these in conjunction with the personal passwords which you select at the time of registration. You will then be able to log in and out of the service to suit you.

Once registration is complete you are ready to use the Online service. You can apply for an 'agreement in principle', a personalised illustration and complete a mortgage application. You will be required to view our Terms & Conditions and our initial disclosure document before any of the above facilities become available. This sets out clearly and simply the level of service which we offer.

Use of personal data

2.  calculate how much you can borrow and receive an instant 'Agreement In Principle' (5-10 minutes)

By completing some basic information about yourself, your income, outgoings and details of the property, you will be able to obtain an instant Agreement in Principle. The most recent Agreement in Principle that is produced will be saved to enable you to proceed with the application process.

Use of personal data

3.  Select a mortgage product from our range and obtain a mortgage illustration covering key features and costs of the mortgage you are applying for (8-15 minutes)

If you already know which mortgage product you wish to apply for, you can select this immediately and proceed with the application. Alternatively, we also provide a ‘guided product’ facility. This will enable you to select a product from our full product range that will best suit your current needs based on the answers to a few short questions.  

A Keyfacts Illustration is provided for Owner Occupied mortgages and a Mortgage Illustration is provided for a Residential Investment (Buy to Let) mortgage based on the mortgage product you have selected. The illustration will provide financial information such as your monthly repayments, fees payable on selected products and any applicable early repayment charges. It will also reconfirm the terms of the product selected, and the term of years over which you have selected to repay the mortgage. The Illustrations can be used to compare against other products which you may have selected either from this service or from another provider thus enabling you to make an informed decision as to which mortgage product suits your needs. The 5 most recent Illustrations produced using our Service will be saved for your future reference should you need to log out and return to the site at a later date.

The production of a Keyfacts or Mortgage Illustration will not guarantee the availability of the mortgage product selected as our products can be withdrawn at any time without notice.

4.  Select, finalise and submit your mortgage application (20-35 minutes)

At this stage you will be accepting the terms of your chosen product and illustration terms and will be proceeding to the stage of submitting an application to us. There are a few more detailed questions that we will require to be completed in relation to the information that you have already provided. On submitting the application to us, the processing will begin immediately. On average it will take 4-6 weeks from application, for the mortgage application to complete.

Use of personal data

No marketing activity will be undertaken as a result of registering to use this online service. The personal information that you provide will be held securely by us (and our agents involved in providing the online service) and no part of it will be divulged to any third parties without your express consent.

Find out what information you will need to hand before you apply
Requirements, availability and status

Borrowers must be aged 18 years or over and to comply with legislation the Society will need to confirm identity prior to completion of the mortgage. Details of the identification needed will be supplied on request. Loans are subject to valuation and status. Additional security may be required

Security will be required for the loan.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE