FAQs

We want you to be able to use our services quickly and easily, so that’s why we regularly update our FAQs to answer any questions that may arise.

Decision in Principle (DIP) queries

Can I appeal a DIP decline and get a new decision? This will reveal additional content: If your DIP is declined due to affordability or criteria, you can appeal by getting in touch with your BDM. If you need to appeal a decline that’s been submitted to FMA, please call our Mortgage New Business team.

If your DIP is declined due to the property, you can appeal the decision by completing the DIP Property Decline Appeal Form.
I’ve got a message saying my case has been referred. What does this mean and what will happen next? This will reveal additional content: This means the case needs more investigation and will be reviewed by an underwriter. To find the latest time frames, check our current service levels. There are a number of reasons why this may be, such as we might not be able to verify details for an existing customer, the applicant’s credit history may not be satisfactory etc.

Please do not attach any documents at this stage as this may delay the decision.

It’s very important to ensure that the information you’ve keyed is accurate. If anything’s incorrect, you’ll be sent an underwriting request to make changes, which will delay your decision.
Can I still reserve a product even though my case has been referred? This will reveal additional content: Yes you can, but please be aware that any fees paid could be lost if the case can’t proceed.

Fees and charges
Do I have to create a Mortgage Illustration before a DIP? This will reveal additional content: No, but if you want to create a Mortgage Illustration before the DIP in NFI Online, you can enter the Mortgage Illustration data into the DIP process which will save you having to key the data again. You'll be unable to produce a mortgage illustration prior to completing a DIP for additional borrowing (further advance) applications.
The case has been scored however I’ve noticed that the applicant’s name and/or address details are incorrect. Can I amend these? This will reveal additional content: Once the DIP has been scored you are unable to amend the current and previous address history, or applicant’s name. Please contact Mortgage New Business on 0345 730 20 11 for further guidance.
Can I still obtain a DIP decision if my client hasn’t found a property yet? This will reveal additional content: Yes, you can still get a DIP decision for your client, but this won’t include a decision on the property and you’ll still need to enter the security details before you can proceed to Full Mortgage Application.
Can the applicants current/previous address be amended once progressing past these screens? This will reveal additional content: As long as a DIP decision hasn’t been obtained, you can revisit the DIP section and amend the property details. If a DIP decision has been received and you’d like to change your clients address, this will need to be done via a new application.

We hope we’ve covered most of the common questions, but if you’re still unsure about something, you can contact one of our experienced advisers on Broker Chat.