If you’re new to Furness Building Society, please register as an intermediary here. We require 24 hours (Monday to Friday) to process your registration and set you up on our panel. 

When this has been completed, you’ll have access to a personalised dashboard where you can track your mortgage applications in real time. You’ll also receive updates as the application progresses. 

Once you’re a member of our intermediary panel, you next port of call should be our Business Development team. 

You can arrange a call or visit from us - we have BDMs spanning the country as well as an office-based team. 

You can also call us directly, email or use our live chat function which is managed by our BDMs, enabling us to give you instant and accurate answers to your questions. 

You can find your nearest BDM here. 

We have two affordability calculators - one for Residential and one for Buy-to-Let.

We strongly urge you to use these with every live case to get an idea if the application is affordable. You can then use these figures in your discussions with us during step 4. 

Please input the stated expenditure honestly and entirely and ensure it is accurately checked. We may use bank statement analysis and / or the Office for National Statistics (ONS) data so it is essential you insert the correct information. Upon application, delays can occur or the case declined if the information you have provided is inaccurate, unrealistic or incomplete. 

We encourage you to discuss your case with us prior to submitting an application. In most instances we can help expedite the process. 

If your case meets our standard criteria, your BDM will confirm you should proceed straight to application. If not, we’ll liaise with our underwriting team for an initial appraisal as to whether we can support your client. 

We’ll then work with you to address any potential issues. This means your case will be handled efficiently, your time isn’t wasted and the application is far less likely to be declined. 

We’ll only complete a soft credit search at this stage. This means you can find out if your client will likely qualify for a mortgage with us without it affecting their credit score. 

If there are exceptions to your client’s situation that have already been discussed with your BDM and agreed with our underwriting team, please make this clear here. We recommend you make full use of the notes section in the DiP application form.

We require 24 hours to process a Decision in Principle.   Please note - we do not assess affordability at the DiP stage of the process.

Please ensure you collate all the necessary supporting documents you may need to evidence your application. 

These will include the core elements such as bank statements and payslips but there are also often other pieces of paperwork, such as P60s or statements from other bank accounts that our underwriting team will need to progress a case. 

Your BDM will be able to advise if this is the case as part of the discussion during step 4. They will liaise with our underwriters to determine if further evidence will enable your client to meet our affordability criteria. 

All our mortgage applications must be completed online and submitted electronically. 

However, you may find it useful to download our Intermediary Mortgage Form and use it as an aid to gather the information we need from your client. 

As with the Decision in Principle, we strongly urge you to use the ‘explanatory notes’ section within the application form. Here you can provide our underwriters with information that you can’t input into the form itself. If your case isn’t straightforward, (and hopefully you will have already discussed this with your BDM) our underwriting team will use these notes to get to the bottom of a potential affordability issue.