We are proud to announce the launch of a new daily Mortgage Surgery, designed to help brokers find a quicker and more efficient solution for complex mortgage cases.

The daily Mortgage Surgery will meet each afternoon to discuss complex mortgage cases, which fall outside the society’s normal lending policy. The Mortgage Surgery will comprise of Senior Underwriters who will look at enquiries on a case by case basis.

The new Mortgage Surgery underpins our commitment to enable brokers to obtain prompt replies to out of criteria enquiries from experienced manual underwriters, who can help find a solution particularly for more complex cases.

On paper, the implications of some of the elements of a complex case can be lost, or it may superficially appear as something that’s outside our normal lending appetite. Brokers can now discuss the case with their BDM or the Intermediary helpdesk who will in turn talk the case through with the underwriters.

To submit a case to the Mortgage Surgery, brokers are requested to contact their BDM or our Intermediary Help Desk on 0121 521 4000 to discuss their clients’ needs. The team will then assess whether the case has merits to be referred. If so, they will discuss it in the next Mortgage Surgery meeting.

Richard Groom, Head of Mortgage Sales said: “Providing brokers easy access to our manual underwriters, particularly for more complex mortgage cases is critical in order to find the right solution for the customer. That’s why we have responded with the launch of our daily Mortgage Surgery, which is designed to provide a more efficient and speedier decision making process for brokers”.