Apply to become a home finance provider

Find out how to apply to us for authorisation if you’re a non-bank lender, lifetime mortgage provider or third-party mortgage administrator.


Read everything listed below

Start with our main 'how to apply' page for all applicants


Prepare your application

Include your business plan and other supporting material


Pay the application fee

You must pay this in order to apply


Submit your application

You'll do this on our Connect system, so please register first

If you want to engage in regulated activities, you must be authorised by us with the relevant permissions. You'll need to demonstrate that you can consistently deliver good outcomes for retail consumers.

What to read first

Prepare your application

You'll submit your application through Connect, so make sure you register.

Your application must include your:

  • application form
  • regulatory business plan (RBP)
  • financial forecasts – learn how to prepare your firm's financial information
    • you must provide at least 3 years of forecasts, but you may wish to provide up to 5 years to support your application
    • in your summary you should include a set of the 3 financial statements (balance sheet, profit and loss, cashflow) under a stressed set of assumptions
  • other relevant forms and supporting material

Below are the specific things we expect to see in your application in order to demonstrate that you can meet our expectations. Note that this advice isn't exhaustive – you may need to consider additional factors as they relate to your business activities.

We know we're asking for lots of information, but if you submit everything required in sufficient detail it'll help us assess and determine your application without delays.

You must answer all questions on the application honestly, including on Form As, and provide us with full information regarding any disclosures you make, including details about any removals you've had from lender or product providers’ panels.

If in doubt, let us know as much as possible, even if it may not seem relevant.

If you don't disclose something, we take this very seriously and may consider it to be evidence of dishonesty and/or lack of integrity.

Application fee

You have to pay a fee to submit your application. The fee is non-refundable.

Your fee falls into pricing category 6, which will be £10,000.

Find out more about our authorisation fees, including our pricing categories and how to pay.

Final check and submit

Before you submit everything on Connect, give it one more check to be sure you've included everything.

Our how to apply page has 3 top tips to ensure your application goes smoothly, and explains what happens after you've submitted it.

If you need more help

Please contact us on 0300 500 0597. We're open Monday, Tuesday, Wednesday and Friday 9am to 5pm, and Thursday 9.45am to 5pm.

Page updates

: Information changed Page updated as part of website refresh
: Link added Authorisation home
: Link added Authorisation home
: Link changed IT self-assessment questionnaire

20/07/2020: Link changed broken links fixed