You can apply for a new mortgage with us in two simple steps. If you are comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you are responsible for the mortgage you choose. You do not receive any advice from us, so you will not be protected if you decide later that the mortgage you chose was not appropriate. Once you have a DIP and have accepted an offer on a property, you can take out your full mortgage application. At this point, you select a mortgage settlement, indicate how you pay the product fee and let us know your source of deposit. If you want to get an idea of our mortgage transactions before you apply, look for the features and fees of mortgage products in our mortgage rates. You can apply in the store or by phone with advice or online without consultation. If you know the zip code, you can use the `What Region?` Finder on our home price index calculator. If you don`t know the zip code, please read this map that describes all regions nationally.
Before you apply for a mortgage, you need a policy decision (DIP). This is also called agreement in principle (AIP) or loan certificate. It confirms that we are willing to lend you money. If you are applying for a mortgage to purchase a new construction property and your use has been influenced by coronavirus, you can apply for an extension. A DIP certificate is a free and non-binding confirmation if we are willing to lend you something. You can receive an ID before making an offer for a property and you can apply online, even if you want to continue your application by phone or in the store. Viewing an IDR involves a gentle credit review and has no influence on your credit score. If you don`t want advice or help with your application, you need to be sure that you are willing to accept responsibility for choosing a mortgage that is right for your situation. If you can apply without advice, you can apply online.
If you apply online, you can send your documents by email or mail or send them to your local office. If you apply for a mortgage, your mortgage must be completed by March 31, 2021 to qualify for stamp duty. If you apply to borrow more, you can apply with advice (by phone or in the store) or without consultation (online). You can also launch your application online, but switch to a recommended itinerary at any time. Just so you know how to go through the mortgage application, you will first receive a decision in principle (DIP). This can be used to let real estate agents know that you have in principle guaranteed credits for the proposed real estate. If you apply by phone, we conclude the first stage of your application with you – get a decision in principle.