We are currently integrated with 9 Lenders. This includes: Halifax, Nationwide, Barclays, TSB, Accord Mortgages, Leeds Building Society, Aldermore, Darlington Building Society and NatWest.
Each lender integration comes with different functionality on what case types and client types are supported. The image below guides what is and isn't supported at this current time. At the bottom of this page you can find further details on what Client and Case types are supported by each Lender.
Our SmartrConnect lenders support:
Direct DIP or FMA is where the application is submitted and result provided entirely within Smartr365 using the data from the Clients Fact Find and Mortgage Case.
PrePop DIP or FMA is where Smartr365 automatically passes the Fact Find and Mortgage Case data over to the Lenders portal where you will then review and submit the application.
PrePop from DIP FMA is where you can progress your accepted DIP through to FMA via the Lenders portal directly using already provided data from your Smartr365 Fact Find and Mortgage Case.
Our List of Lenders
Halifax
Our Halifax integration supports a direct DIP meaning you can submit your DIP application and get a result without leaving Smartr365. Then when you are ready to progress your accepted DIP through to FMA, you can do this from within HFX Intermediaries Online as usual. A step by step guide can be found here.
The below Client and Case types are supported through SmartrConnect. If the application you are submitting falls outside the below requirements, please use HFX Intermediaries Online directly. Don’t worry if you are unsure as we have automatic validation in place before the submission to alert you should anything not meet the criteria.
Client
All PAYE Employment Types
No name changes (except for a maximum of 1 change in surname)
Mortgage Case
Residential
First Time Buyer, Home Mover, Existing Property Owner, Remortgage and Mortgage Schemes
Special schemes (Right to Buy, Shared Ownership, Shared Equity, Second Home Loan & 95% Gov Scheme)
Capital Repayment (Repayment, Interest Only, Part & Part)
Lending into retirement
The integration is only available to be used from 6am to 10pm Monday to Friday and 8am to 6pm on Saturday.
Nationwide
Our Nationwide integration supports a direct DIP meaning you can submit your application and get a result without leaving Smartr365. Then when you are ready to progress your accepted DIP through to FMA, you can begin this process from within Smartr365 then complete within NFI Online as usual. A step by step guide can be found here.
To submit to Nationwide through SmartrConnect, the Client and Mortgage Case must meet the following criteria. Don’t worry if you are unsure as we have automatic validation in place before the submission to alert you should anything not meet the criteria.
Client
Applicant must have ‘Nationality’ or ‘Second Nationality’ as ‘United Kingdom’ or ‘Ireland’
If this is a Remortgage case, then Applicant must be the owner occupier of the property
If this is a Remortgage case, then ‘Employment Type’ must be ‘Employed’ or ‘Unemployed’. For Purchase, Piece work ‘Employment Type’ is not accepted
If this is a Remortgage case, then ‘Employment Type’ must be ‘Permanent’ when ‘Employment Basis’ is ‘Full Time’
There must be only one entry for ‘Current Employment’
Applicant must not be within 10 years of retirement, and Mortgage Term plus your client age must not be greater than their anticipated retirement age
Mortgage Case
‘Buyer Type’ must be ‘Remortgage’, ‘First Time Buyer’, or ‘Purchase’
‘Additional Product Type’ must be blank
‘Repayment Method’ must be ‘Repayment’
If Remortgaging, ‘Property Sub Type’ must not = ‘New Build’
Property address must not be a BFPO post code
Barclays
Our Barclays integration supports both DIP and FMA PrePop meaning you can automatically push the data from your Smartr365 Fact Find and Mortgage Case over to the Barclays Intermediary portal where you can then review and submit the application. A step by step guide can be found here.
To submit to Barclays through SmartrConnect, the Client and Mortgage Case must meet the following criteria. Don’t worry if you are unsure as we have automatic validation in place before the submission to alert you should anything not meet the criteria.
All Client and Mortgage Case types are available to be prepopulated on the Barclays Intermediary portal.
Accord, Aldermore, Leeds BS & TSB
These four lenders currently support DIP PrePop meaning you can automatically push the data from your Smartr365 Fact Find and Mortgage Case over to their Intermediary portal where you can then review and submit the DIP application. Then when you are ready to progress your accepted DIP through to FMA, you can do this from within their Intermediary portal as usual. A step by step guide can be found here.
All Client types are supported while the Mortgage Case types supported are residential only for both Purchase/FTB and Remortgage.
NatWest
The following criteria is covered by NatWest:
Remortgage Only
NatWest personal mortgage customers/products only
Residential mortgages (not BTL)
Repayment Types: Capital & Repayment, Interest-Only
Employed
Sole & Joint mortgages
Available to UK mainland brokers only (registered to do business with NatWest)
The following criteria is not covered by NatWest:
Buyer Types:
Self-employed
First Time Buyer
Raised funds
Shared ownership
Product transfer
Retired
Student
Unemployed
Mortgages:
Buy-to-Let
Properties:
Unencumbered properties. Unencumbered properties are not in scope for the remortgage journey as they are typically treated as an equity release mortgage, NatWest does not currently offer 'equity release mortgages', 'lifetime mortgages' or 'home reversion' products.