How to Submit Business

1. Register

If you haven’t registered with us already, please complete and return this form to

2. Obtain a Decision in Principle

Whilst we can accept full applications without a DIP, we strongly recommend you obtain a Decision in Principle first. As well as giving you an initial decision, you will be advised what documents are required to submit the case

3. Affordability Calculator

When requesting a DIP, you MUST complete an Affordability Calculator, ensuring accurate data is used in respect of income and expenditure. We cannot provide a DIP without an Affordability Calculation

4. Submit a Full Application

Once your registration has been confirmed, you will be able to submit an application via our online portal. All documents required for the application should be uploaded at the time of application

Please note – we are unable to process a case without the documents requested. Unless specifically requested, we will instruct survey on the receipt of the application. If we subsequently decline the case, a refund of the valuation fee will be made, unless there has been a material omission in the information provided. (The refund does not apply if the application is cancelled by the applicant after the valuation has been carried out)

Business development

Tom Gurrie
Tom Gurrie
Intermediary Sales Manager
0161 429 4327
07803 409645
Kevin Baggs
Kevin Baggs
Mortgage Business Development Manager
0161 429 4327

Head office:

Vernon Building Society
19 St Petersgate

Tel: 0161 429 6262
Fax: 0161 477 3303

Telephone calls are recorded and may be monitored for regulatory and training purposes to help maintain service quality.

*The 'AER' stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.


Vernon Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (registration number 195475).  You can check this on the Financial Services Register. We are also a participant of the Financial Services Compensation Scheme (FSCS). Details of the scheme can be obtained from

Telephone calls are recorded and may be monitored for regulatory and training purposes to help maintain service quality.

For independent information about financial products and services visit

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