Overview
You can submit a Decision in Principle (DIP) to TSB directly from Smartr365 using SmartrConnect. TSB submissions are pre-populated: Smartr365 passes your Fact Find and mortgage case data to the lender portal, where you create the case with the lender. Smartr365 supports First Time Buyer, Residential Purchase and Remortgage DIP applications, for single and joint applicants.
Before You Start
Managers: A Manager who is not marked as the adviser on the case cannot submit it. Smartr365 asks you to check who is marked as the adviser on the case Summary screen and transfer the case
FCA number: Your firm's FCA number must be configured
Case data: The mortgage case must have a Buyer Type and a Mortgage Product Type (Residential or Buy to Let). For a Residential case that is not First Time Buyer, the purchase reason must also be set
Lender login: You do not need to save anything in My Credentials for TSB. You log in to the lender portal with your usual TSB credentials after submitting
Mandatory Fields
Field | Where to Complete | Notes |
Previous Name End Date | SmartrConnect form | Shown and required only when the applicant has a previous surname in the Fact Find |
Are these income types verifiable? | SmartrConnect form | Tick Verifiable for any overtime, commission and bonus income recorded in the Fact Find. Each is shown only when the applicant has that income. Basic salary is shown without a tick box |
Disclaimer Acceptance | SmartrConnect form | Must accept the pre-population acknowledgement |
Mortgage Application Type | SmartrConnect form | Select DIP Pre Pop |
Fact Find Sections to Complete
Personal details: first name, surname and date of birth (applicant over 18) for each applicant
Address history: a residential status for the current address
Employment: for each current employment, gross basic salary, employment type and employment basis
Mortgage case: Buyer Type, Mortgage Product Type and, where needed, purchase reason
Smartr365 pre-populates personal details, previous names, dependants, address history, loan information, existing mortgages, commitments and expenditure, and income data for fully employed applicants.
How to Submit
Open the case and click SmartrConnect in the toolbar at the top of the case, then click the TSB logo. TSB is selected in the Lender field
Choose DIP Pre Pop as the Mortgage Application Type. Smartr365 shows the case types it supports and the sections it will pre-populate
For each applicant, you can tick the income types that are verifiable (optional). They are shown only where the applicant has that income in the Fact Find:
Overtime
Commission
Bonus Value
Enter the Previous Name End Date if it is shown
Tick the acknowledgement that Smartr365 will pre-populate the application and that you will check the information is accurate before submission
Click Submit Application. Smartr365 checks that all fields the lender needs from your Fact Find have been completed. If any are missing, they are listed for you to complete before the submission can go ahead
After Submission
Smartr365 checks for results every 8 seconds, and the result shows on the right-hand side of your screen. You can see earlier submissions with Result History. Possible outcomes:
Completed — Your Fact Find data has been pre-populated to the lender portal. The result includes a Click here to proceed with application link and a reference number to quote to Smartr365 if there are any issues with the pre-population
Pending — The application has been passed to the lender. Log in to the lender's intermediary portal, verify that the information is correct and approve the application for submission
ValidationFailed — The application was submitted with validation errors. Check the details and correct your case data
LoginFailed — Smartr365 shows "Invalid Lender adviser login credentials." There is nothing to update in Smartr365, so contact our support team
Completing the DIP in the Lender Portal
Click the link in the result to launch the lender portal. The link can be used only once and expires 3 minutes after it is generated. If it has expired or shows an error, return to Smartr365 and submit again to generate a new link
Log in to TSB with your usual credentials
Follow the steps on the portal to create the case with the lender
Troubleshooting
Issue | Solution |
Missing fields listed on submit | Complete the fields listed, then submit again. Common ones are previous name end date, current address residential status and employment details |
"You are not marked as the Adviser on this case" | Check who is marked as the adviser on the case Summary screen, and transfer the case if needed |
"Company FCA Number has not been configured" | Your firm's FCA number needs to be set up. Contact our support team |
Portal link has expired | Submit the application again to generate a new link |