Applying for  A new mortgage

Use just three easy steps to apply for:

  • New mortgage
  • New mortgage with Offset
  • Product transfer


Please note, new purchase mortgages are only available to existing Scottish Widows Bank mortgage customers. Remortgages are no longer available. Lifetime mortgages are available to new and existing customers.

Create an illustration

Once you register you can start creating illustrations online.
Just read our guide (PDF, 712KB).

Get a decision in principle

If your client is happy with the illustration, apply for a Decision in Principle (includes a soft credit check).

Submit a full application

Includes a full credit check. Once you have submitted an application, you can track your case online.

Changes to our existing mortgages

Changes to our existing mortgages

Want to make transfer of equity, porting or contract changes?

Make changes to existing mortgages

How can we help

See how we support you

See how we support you

How we help you do business and how to get in touch.

Get support

Mortgage tools

Mortgage tools

Our useful tools and calculators can save you time and help you with your client conversations.

Useful tools