Download New system user guide - Bank of Ireland for Intermediaries

New system user guide
Welcome to our new online mortgage application system. This helpful user
guide covers everything from registration, to generating Illustrations, AIPs and
Applications – allowing you to get the most out of this new tool.
Built for better business
FOR INTERMEDIARY USE ONLY NOT FOR PUBLIC DISTRIBUTION
Contents
Getting Started
Page
Registration1-3
Logging in
4-5
Using The System
My Active Cases screen
6
Creating Illustrations, AIPs or Applications
7-9
Submitting Illustrations, AIPs or Applications
10
Viewing a case summary
11-13
Receiving a case message
14
Sending a case message
15
Fees
16
Search functionality
17
My profile page
18-19
Useful Information
Includes general details relating to case submissions and contact details
20-22
Using The System
Getting Started
This guide contains instructions and helpful hints on using Rome to produce Illustrations, AIPs and Useful Information
Applications. Getting Started
Registration Registration
Our automated registration process means getting started is quick and easy. Our automated registration process means getting started is quick and easy.
STEP 1
1. On the registration screen,
enter your email address and
click the ‘Register’ button.
Please note – an email
address can only be used once
for registration.
1 STEP 2
1. On the registration screen, enter your email address and click the ‘Register’ button. 2 Please note – an email can only be used once for registration. 2. You’ll then be taken through
to our registration page to
start the process. You’ll
be asked to enter some
information, including
your FCA number, your
name, a contact number, a
correspondence address,
an email address, a case
sensitive password and your
role.
3. When you have entered
your personal details, click
the ‘Continue’ button.
1 Please note – if after
entering your details and clicking
‘Continue’, you realise you’ve input
the wrong information, please
contact our sales support team
from 9am to 5pm, Monday to
Friday on 0345 266 8928*.
3 2. You will then be taken through to our registration page to start the process. On here, you 1 of 22
Once ou’ve clicked he ‘Continue’ button to epentered, roceed, ou’ll then see a oson creen ctonfirming that an email email hyhas as bbeen een ssent ent tto o tthe he eemail mail aaddress ddress yyou ou ntered, wywith ith instructions instructions n hhow ow to o ccomplete omplete tthe he Getting Started
Using The System
Useful Information
email has been sent t o the email address you entered, with instructions on how to complete the registration registration pprocess. rocess. process. registration STEP
3
Once you’ve clicked the
‘Continue’ button, you’ll then
see a screen confirming that
an email has been sent to the
email address you entered, with
instructions on how to complete
the registration process.
When yyou When ou rreceive eceive tthe he eemail, mail, just just cclick lick oon n tthe he ‘Complete ‘Complete RRegistration’ egistration’ link. link. Please note
– if you don’t
receive the email
within 10 minutes
please check your ‘Junk’ mail.
When you receive the email, just click on the ‘Complete Registration’ link. STEP
4
When you receive the email,
just click on the ‘Complete
Registration’ link.
You’ll then be taken through to a screen and asked to enter your password. When you have done this, click the ‘Continue’ button. STEP 5
You’ll then be taken to a screen
and asked to enter your password.
When you have done this, click the
‘Continue’ button.
3 3 3 2 of 22
Getting Started
Using The System
Useful Information
On this screen you’ll also be asked to enter some security questions. You’ll need these if you ever When receive the email, ust ctlick on the forget you your password and njeed o reset it. ‘ Complete Registration’ link. STEP 6
Upon clicking ‘Continue’, you’ll
then be taken to your profile page
to complete the registration.
Please check the details you
entered previously
are correct.
To help protect your account,
you’ll also be asked to select four
security questions and provide the
relevant answers. You’ll need to
remember these if you ever forget
your password and need us to
reset it.
3 When you have entered all the required details, just click the ‘Save’ button at the bottom of the screen. You have now completed the registration process and will be able to use the system. STEP 7
5 When you have entered all the
required details, just click the
‘Save’ button at the bottom of the
screen. You have now completed
the registration process and will be
able to use the system.
3 of 22
Getting Started
Using The System
Useful Information
Login Login Logging In
To log
in ito
online
mortgage
system oncesimply you havevisit registered,
simply visit
To log n our
to new
Rome once you application
have registered, www.bankofireland4intermediaries.co.u
To log in to Rome once you have registered, simply visit www.bankofireland4intermediaries.co.u
www.bankofireland4intermediaries.co.uk
STEP
1
You’ll
‘Login’
in the
You find
will thefind the button
‘Login’ button
top
right
of the
screen.
You will find the ‘Login’ button
the top right of the screen. the top right of the screen. STEP 2
Select your mortgage network
Select irst the
Complete as your and thenFclick
‘Login’ button.
Select F
irst C
omplete as your You will then be taken through
mortgage network and then cli
to the login screen
of our online
mortgage network and then cli
mortgage application system.
‘Login’ button. You will then be
‘Login’ button. You will then be
taken through to the login scre
taken through to the login scre
our new mortgage application our new mortgage application system. system. 4 of 22
Using The System
Getting Started
Useful Information
STEP 3
1 3 2 1. Enter your email address,
followed by your password.
These are unique to you
and should be kept private.
Please note the email
address filed is not case
sensitive, but the password
field is.
2. When you are happy with
the details you have entered,
click the ‘Login’ button.
3. If you forget your password
click on the ‘forgotten
your password?’ link and
you’ll be sent an email to
reset your password.
If you get ‘locked out’ please call our sales support team on 0345 266 8928* available from 9am to 5pm Monday to Friday.
1. Enter your email address, followed by your password. These are unique to you and should be kept private. Please note the email address filed is not case sensitive, but the password field is. 2. When you are happy with the details you have entered, click the ‘Login’ button. 3. If you forget your password click on the ‘forgotten your password?’ link and you will be sent an email to reset your password. If you get ‘locked out’ please call our sales support team on 0345 266 8928* available from 9am to 5pm Monday to Friday or email [email protected] 8 5 of 22
Getting Started
Useful Information
Using The System
Using the system
My Active Cases Screen MyWhen Active
you log Cases
in to Rome Screen
you will be taken to the ‘My Active Cases’ screen. On here, you will be able to syou
ee all log
your AIPs and Applications you have started or submitted. When
inIllustrations, to our new
online
mortgagethat application
system
you’ll be taken to the ‘My Active Cases’ screen. Here, you’ll
be able
to see all of the Illustrations, AIPs and Applications that you have started or submitted.
The screen will display 25 cases per page, with the most recent activity listed at the top. The screen will display 25 cases per page, with the most recent activity listed at the top.
If your screen is left idle for 60 minutes or more, you will automatically be logged out of Rome. If your
screen
left
idle for
60 minutes
or more,is you’ll
automatically
be logged out of the system.
Please save yis
our screens regularly so that information not lost. You can progress either an Illustration or AIP to a full Application at any point and it will be populated with the data already
You can progress either an Illustration or AIP to a full Application at any point and it will be entered. You can’t progress a declined AIP to an Application.
populated with the data already entered. You can’t progress a declined AIP to an Application, or edit a previously submitted case. 1 2 3 5 4 6 2. To access your personal
profile and registration
details, just click on your
name from anywhere on the
site.
7 8 1. From anywhere on the site
(excluding the Help centre
page), you can click on our
logo to go back to your
active cases list.
9 3. Click on the notification
icon to view your current
case messages. If you’ve
notifications for multiple
cases, just click on the case
number to see the message
for that particular case.
4. To start a new Illustration, or create an Approval In Principle (AIP), or a full Application (App), simply click the
appropriate buttons.
9 5. Click this link to be taken to our intermediary site to see the latest service update.
6. The ‘Status’ column displays the current status of all cases displayed.
7. In your list of active cases (or search results), you can expand any individual case to give you more detail, and to access the case overview. To do this, just click on the drop down arrow.
8. If there is an alert icon showing, click on it to directly access any messages for that case.
9. You’ll also find some useful links to the criteria and literature pages, plus the affordability calculator on our
intermediary site.
6 of 22
•
Select the mortgage type and confirm whether it is a purchase or re-­‐mortgage •
Confirm the service provided. Getting Started
• Chose the property location Useful Information
Using The System
Creating Illustrations, AIPs or Applications
Please note – when navigating through the system, you’ll come across ‘?’ symbols. Clicking on these When
youadvisory have clicked
the appropriate
button
on the ‘My Active Cases’ screen, a new window will pop up where you
will reveal notes aon
s outlined in the example opposite. should enter the applicant’s information. For all options you’ll be required to:
• Confirm the number of
applicants
• Enter the main applicant’s
name and surname
• Select the mortgage type
and confirm whether it is a
purchase or re-mortgage
Clicking ‘Continue’ will take you to the mortgage application screen where you’ll need to enter more detailed information about the applicant. This includes details about: • Chose the property location
• Confirm the service provided.
•
The mortgage (and any fees included) •
The applicants’ personal details, including age, income and address •
Any outgoings and financial commitments •
The property (not needed for Illustrations). Please note – when navigating
through the system, you’ll come
across ‘?’ symbols. Clicking on
these will reveal advisory notes as
outlined in the example opposite.
Please note – when entering details onto the system do not use commas, full stops or symbols in Clicking ‘Continue’ will then take you to the mortgage application screen where you’ll need to enter more detailed
numeric fields and round figures up to the nearest pound. information about the applicant. This includes details about:
• The mortgage (and any
fees included)
• The applicant’s personal
details, including age,
income and address
1 • Any outgoings and financial
commitments
Any mandatory information which is missing will be highlighted in orange. The navigation tabs will also display an orange ǃ symbol, and the progress bar will be orange too. You won’t be able to • The property (not needed
for Illustrations).
Please note – when entering
details onto the system do not use
commas, full stops or symbols in
numeric fields and round figures
up to the nearest pound.
submit an Illustration, AIP or Application until all mandatory fields are complete. An orange error message
will appear where mandatory
information is missing. The
navigation tabs will also display
an orange ! symbol, and the
progress bar will be orange too.
You won’t be able to submit an
Illustration, AIP or Application until
all mandatory fields are complete.
2 7 of 22
also display an orange ǃ symbol, and the progress bar will be orange too. You won’t be able to Getting
Started
Using
System
submit an Illustration, AIP or Application until all mandatory fields The
are complete. Useful Information
At any point in the application process, you can save your progress by clicking the ‘Save & continue’ At any point in the application process, you can save your progress by clicking the ‘Save & continue’ button at the
button at the bottom of each section. bottom of each section.
If t aa later you then wish to return to complete AIP or AIP
Application you started 13 the Illustration, If aat
laterdate date
you
then
wish
to return
to complete
an Illustration,
or Application
you started earlier you can do this from
‘My active cases’ screen.
the
earlier you can easily do this from the ‘My active cases’ screen. 1. Firstly find the relevant case
from the list and click the
drop down arrow.
2. Then click on the ‘Edit
Application’ button to
return to the mortgage
application screen.
1 2 When going through the application process, you can call up contextual information relevant to the section you’re completing.
1. Firstly find the relevant ase rom will
the lshow
ist and aclick the description
drop down aof
rrow. Clicking
on the
‘?’
icon
next cto
a fbox
short
what’s required. If you click inside the box a more
detailed explanation will appear in a blue panel on the right of the screen.
2. Then click on the ‘Edit’ button to return to the mortgage application screen. 3 When going through the application process, you can call up contextual information relevant to the section you’re filling in. Just click on the ‘?’ icon and a pop up box will appear. Alternatively, clicking in the box where you need to enter the information will result in an additional box being displayed on the right hand panel on the screen. 8 of 22
When Getting
going through the application process, you can cUsing
all up contextual nformation relevant to the Started
The iSystem
Useful Information
section you’re filling in. Just click on the ‘?’ icon and a pop up box will appear. Alternatively, clicking in the box where you need to enter the information will result in an additional box being displayed on the rprompted
ight hand panel on the screen. the applicant’s additional income, please leave these fields blank if not applicable
When
to enter
details
about
(entering zero will produce an error message).
You can save time when entering the details for a case by using the ‘Use a previously entered address’ button when
When prompted to enter details about the applicant’s additional income, please leave these fields details for additional applicants are the same as for applicant one (e.g. address details).
blank if not applicable (entering zero will produce an error message). 4 You can save time when entering the details for a case by using the ‘Use a previously entered address’ button when details for additional applicants are the same as for applicant one (e.g. You can save time when entering the details for a case by using the ‘Use a previously entered address etails). There
is dalso
a print option that allows you to print a copy to your local printer. Please note that this cannot be submitted as
address’ button wform,
hen details for additional the application
it is purely
for yourapplicants records.are the same as for applicant one (e.g. address details). There is also a print option that allows you to print a copy to your local printer. Please note that this There is also a print option that allows you to print a copy to your local printer. Please note that this cannot be be submitted s tahe application form, t is pfurely for your records. cannot submitted as tahe pplication form, it is piurely or your records. 9 of 22
Getting Started
Useful Information
Using The System
Submitting An Illustration, AIP or Application Submitting
An Illustration,
AIP
or Application
When you have finished entering all of your customers’ details, click on the green button on the right hand of finished
the page. entering
For Illustrations this applicants’
will state ‘Generate AIPs button
this will on the right hand side of the page.
When
youside have
all of your
details,Illustration’. click on theFor green
For Illustrations
this
will state t‘Generate
For AIPs this
state ‘Submit’. For Applications his will state Illustration’.
‘Proceed to declaration’. will state ‘Submit’. For Applications this will state
‘Proceed to declaration’.
When you generate an Illustration, AIP or Application a document bundle can be found within the ‘Records’ tab on the case
summary page. You’ll will then be able to view or print these as required.
When you generate an Illustration, AIP or Application a document bundle can be found within the ‘Records’ tab on the case summary page. You will then be able to view or print these as required. Please
you
needAAdobe
Acrobat
todview
PDF documents.
This can be
downloaded
from Adobe’s website.
Please note -­‐note
You n–eed Adobe crobat to view PDF ocuments. This can be downloaded free from Adobe’s website. When an
application has been submitted the status on the ‘My active cases’ page will be updated to show one of
the following.
When an application has been submitted the status on the ‘My active cases’ page will be updated to •
App With Underwriter – the application has been passed to an underwriter for initial assessment (refered cases only).
•
App Accepted Pending Payment – the application has been accepted but you must pay the valuation fee online within three working days, otherwise the case will be closed.
show one of the following. •
•
•
•
App Submitted -­‐ the application has been accepted and will be allocated to an underwriter App Submitted – the application has been accepted and submitted to our processing system.
to assess. App Received – the application has been accepted and will be allocated to an underwriter for full assessment.
•
App With Underwriter -­‐ the application has been passed to an underwriter for assessment, Awaiting
– the
application
has
been passed to an underwriter for full assessment.
and they assessment
will manage your case through the process. • •Assessment
completed
– the underwriter
has hassessed
the application
App Accepted Pending Payment -­‐ the application as been accepted but you mand
ust pwill
ay tbe
he in touch for further requirements.
•
valuation received
fee online within three days, otherwise the case will be closed. Valuation
App Received – tbc • •Application
offered
•
Funds released
•
Application completed
•
Application not proceeding
•
Application declined
17 Important Information
For a regulated application you must fulfil your responsibilities before submitting an AIP or Application. If you don’t, you
must have your clients’ consent to do a credit search which will leave a footprint on their credit file and may influence future
credit applications.
10 of 22
screen’. Just click on the drop down arrow to expand the case view, and then click on the ‘View case Getting
summary’ button. Started
Within these pages, you will be able Using
to: Useful Information
The System
•
See details about your customer’s application Viewing
• View A
or Case
print any Summary
documents which have been generated as part of the submission • want
Read, and send messages If you
anreply overview
of acase particular
case,
you can do this at any time from the ‘My active cases’ screen. Just click on the
drop• down
arrow
to
expand
the
case
view,
and
thenprocess. click on the ‘View case summary’ button. Within these pages, you’ll
Pay any necessary fees as part of the application be able to:
• See details about the applicant’s application
• View or print any documents which have been generated as part of the submission
• Read, reply and send
case messages
• Pay any necessary fees
as part of the application When in the case summary view, you will see a number of tabs that will give you access to the process.
features outlined above. The case overview will display the details of your customer’s application. When in the
case summary view, you’ll see a number of tabs that will give you access to the features outlined above.
The case overview will display
the details of the applicant’s
application.
19 The records tab will contain documents relating to the application. 11 of 22
Getting Started
Using The System
Useful Information
The records tab will contain documents relating to the application. The records tab will contain
documents relating to the
application.
The message tab allows you to view and respond to any questions or queries from the underwriter. The message tab allows you to
view and respond to any questions
or queries from the underwriter.
20 When an Application has been accepted pending payment, a fee tab will appear. This will allow you to pay the valuation fee online. 12 of 22
When an Application has been accepted pending payment, a fee tab will appear. This will allow you Getting Started
to pay the valuation fee online. Useful Information
Using The System
When an Application has been
accepted pending payment, a fee
tab will appear. This will allow you
to pay the valuation fee online.
21 13 of 22
Receiving A Case Message Getting Started
Useful Information
Using The System
Receiving A Case Message When you receive a case message, you will receive an email alerting you that you have a message on a case that has been marked for attention. When you receive a case message, you will receive an email alerting you that you have a message on Receiving
Case
a case that has bA
een marked Message
for attention. If you are not in Rome already, click on the link in the email to login. When you receive a case message, you’ll receive an email alerting you that you have a message on a case that has been
If you are in Rome already, click oon
n the in tto
he be
email to login. marked
fornot attention.
Just click
thelink link
taken
through to the system to view the message.
Message a
lerts i
n R
ome w
ill s
how o
n t
he n
otifications icon at the top of the screen and the message Message alerts in the system will show on the notifications icon at the top of the
icon in the Aalert section of wthe ase ionformation line. icon at the top of the screen and the message Message Rome ill scicon
how n tthe
he nAlert
otifications screen
andlerts thein message
in
section of the case information line.
icon in the Alert section of the case information line. Click on the notifications icon to
show cases with messages that
currently require action.
2 2 Click on the notifications icon to show a list of cases with messages that currently require action. Click on the notifications icon to show a list of cases with messages that currently require action. To view the actual case message, either click on the case number in the notifications list, or click on To view the message, click
on the case number in the
notifications list, or click on either
of the message icons in the case
information section.
1 1. You’ll then be taken to the
Messages section of the
Case Overview screen to
read the message.
either of the maessage icons in the case information section. To view the ctual case message, either click on the case number i n the notifications list, or click on either of the message icons in the case information section. 22 22 1. You will then be taken to the Messages section of the Case Overview sc
2. If a reply is required, simply
message. type it into the ‘Send a new
message’ box. Once you’re
it, m
click
the ‘Send
2. If a reply is required, type into the happy
‘Send with
a new essage’ box, and sent case message’ button.
case message’ button. 2 1 1. You will then be taken to the Messages section of the Case Overview screen to read the message. To remove the notification, click on the tick in the Needs attention box. 1 2. If a reply is required, type into the ‘Send a new message’ box, and sent by clicking the ‘Send case message’ button. To remove
click
to s‘Message
1. You the
will notification,
then be taken to the Messages section of This
the Cwill
ase change
Overview creen to read the To emove he the
notification, click on the tick in the Needs aThis ttention box. will and
change to read essage Read and remove the notification. on rthe
tick tin
‘Needs attention’
box.
Read’
remove
the M
notification.
message. 2. If a reply is required, type into the ‘Send a new message’ box, and sent by clicking the ‘Send case message’ button. This will change to read Message Read and remove the notification. 14 of 22
Getting Started
Useful Information
Using The System
Sending A Case Message Sending
A Case Message
1. If you’re in the ‘My active
cases’ view, select the
relevant case and click the
drop down arrow to expand
the case.
1 2. Then click on the
message icon.
2 1. If you are in the ‘My active cases’ view, select the relevant case and click the drop down 3. This will take you directly
to the Messages tab in the
Case overview for that case.
Here you can type your
message in the ‘Send a new
message’ box and click
the ‘Send case message’
button when you are happy
with it.
arrow to expand the case. 2. Then click on the message icon. 3 If you’re already in Case overview,
simply click on to the Messages
tab and follow the same
procedure.
Please note – the case
messaging has to be specific to
the case you are currently in.
3. This will take you directly to the Messages tab in the case overview for that case. Here you can type your message in the ‘Send a new message’ box and click the ‘Send case message’ icon. 24 If you are already in Case overview, simply click on to the Messages tab and follow the same procedure. Please note – the case messaging has to be specific to the case you are currently in. 15 of 22
Getting
Using
System
• Product Fees -­‐ if fStarted
ees are applicable to a product they w
ill show in The
the relevant fields. Useful Information
• Intermediary Fee -­‐ this is the fee that you are charging the customer for arranging this mortgage. Fees
You will need to select whether the fee is refundable or payable at application or completion. • Product Fees – if fees are applicable to a product they will show in the relevant fields.
• Procuration Fee -­‐ we will pay the procuration fee to the Network. Please check with The Network •for details Intermediary
is the fee that you are charging the applicant for arranging this mortgage. You’ll need to on the fee yFee
ou w–ill this
receive. select whether the fee is refundable or payable at application or completion.
• Valuation Fee -­‐ select the type of valuation your customer wants. The fee payable will • Procuration Fee – we will pay the procuration fee to the Network. Please check with the Network for details on the fee populate for Standard Mortgage Valuation Report and HomeBuyer Report. Where the automatically you’ll receive.
valuation fee is payable, you will be asked to pay online by debit or credit card within three working •days Valuation
Fee
– selectthe thecase type
ofbe valuation
of acceptance, otherwise will closed. the applicant wants. The fee payable will automatically populate for Standard
Mortgage
Valuation
Report
and
HomeBuyer Report. Where the valuation fee is payable, you’ll be asked to pay online by debit or credit card within three working days of acceptance, otherwise the case will be closed.
When your application has been accepted pending payment, you will be prompted to pay the valuation fee. application
As well as a has
fee tab appearing the cpending
ase summary page, you’ll a £ appearing in the valuation fee. As well as a fee tab
When
your
been
accepted
payment,
you’llalso besee prompted
to pay
alert column inof the
the case
relevant case. page, you’ll also see a £ appearing in the alert column of the relevant case.
appearing
summary
To pay the fee, simply navigate to the fee tab within the case summary page to complete the online payment process. To
pay the fee, simply navigate to the fee tab within the case summary page to complete the online payment process.
1. Tick the box to confirm you
have read the declaration.
2. Then click the ‘Pay fees’
button.
26 Once you have completed the
payment process, the fees tab will
update to confirm your payment.
The application status will also be
changed to ‘App Received’.
1 2 1. Tick the box to confirm you have read the legal declaration. 2. Then click the ‘Pay fees’ button. 16 of 22
Getting Started
Useful Information
Using The System
How To Use Rome’s Search Functions How
To Use The System’s Search Functions
ims to make it ato
s easy as pitossible to find information you the
are linformation
ooking for. you are looking for.
TheRome newasystem
aims
make
as easy
asthe possible
to find
1. To undertake a basic search,
select the search type from
the drop down menu, then
key in the search term and
click the
icon.
2 1 2. If you wish to undertake a
more detailed search, simply
click on ‘Show advanced
search’ button at the top of
the page.
in the advanced search page, you can search by a number of filters, including: date range, case Once Once in
the advanced
page, you can search by a number of filters, including: date range, case status, case particulars
undertake a search
brasic status, c1.ase To particulars and ole. s earch, select the search type from the drop down menu, then key in and role.
the search term and click the [insert image of magnifying glass] icon. 1 2. If you wish to undertake a more detailed search, simply click on ‘Show advanced search’ button at the top of the page. 1. When you have chosen your
filters, simply click the
icon to undertake the search.
2. If you want to save your
search filters, tick the ‘Save
this search as’ box and
enter an appropriate name.
2 Your saved searches will show on the right hand side of the ‘My Active Cases’ page in the Saved Searches box. Your1. saved
will show
thesimply right chand
side
of the
‘My
Active
Cases’
When searches
you have chosen your on
filters, lick the [insert image of m
agnifying glass] page
icon to in the Saved Searches box.
undertake the search. 28 2. Should you wish to save your search filters, tick the ‘Save this search as’ box and enter an appropriate name. 1 1. If at any time you want to
run an advanced search
(using the filters you have
previously set up and saved),
simply click on the ‘Apply
this search’ link. If you want
to delete this search, just
click on the ‘Delete search’
link and it will be removed.
17 of 22
•
Change your password •
Change your email Getting Started
Useful Information
Using The System
• Update case permissions My Profile
• page
Add contains
or remove mortgage clubs. Your profile
your personal
details which
you entered when you first registered on the site. When on this
page, you can:
•
Amend your personal details
•
Change your password
•
Change your email address
•
Update case permissions
• Add or remove mortgage clubs.
31 18 of 22
Getting Started
Useful Information
Using The System
Within your profile, you can also Link Business Writers and Case Administrators. You can find this at the bottom of the page. Within your profile, you can also Link Business Writers and Case Administrators. You can find this at the bottom of the page.
This
means
Case
Administrator
can
manage
onof behalf
of aW
Business
This m
eans a a
Case Administrator can m
anage cases ocases
n behalf a Business riter. To dWriter.
o this, aTo
do this, a Business Writer must first
set up the case permissions for their Case Administrator(s).
Business Writer must first set up the case permissions for their Case Administrator(s). 1. To add a Case Administrator,
click on the ‘Add case
administrator’ button.
1 3. Then select the level of
Access rights from the drop
down menu.
2 3 2.Then select the relevant name
from the Case Administrator
drop down menu.
4. Put a tick in the ‘Send case
notifications’ box to allow
an Administrator to send and
receive case messages.
4 Full1.allows
thea Case
to fully
manage
a case
after it has
been created, this includes keying in data.
To add Case AAdministrator
dministrator, click on the ‘Add case administrator’ button. Post submission allows the Case Administrator to manage a case only after an application has been submitted with all fees
Then select tby
he rthe
elevant name from the Case status
administrator drop down menu. paid2.and
received
bank.
(App
Received
and onwards).
Please
– tonly
a Business
can tcreate
the first place.
3. Then note
Select he level of Access Writer
rights from he drop adcase
own minenu. 4. Put a tick in the Send case notifications box to allow a Post Submission Case Administrator to send case messages and to receive case message email notifications or to allow a Full Case Administrator to receive case notification emails. 32 19 of 22
Getting Started
Using The System
Useful Information
Useful Information
All Loan Types
Most cases will receive an automatic decision within one minute. Where an immediate decision is not possible the case
will be referred to an underwriter who will complete an assessment within three working days. You’ll be able to view the
underwriter’s response.
Applicant Income Details
Where there are more than two applicants, please enter the two highest earners as applicants one and two.
Buy to Let Cases When completing an AIP or Application we will ask for the following details:
•
Employed
Applicants
– Annual
and
When applying for more than Basic
one BSalary,
uy to Non-Guaranteed
Let case for a Overtime/Bonus/Commission
borrower, you can ‘Copy as other
new Regular
case’ Income.
•
Self Employed
Applicants
– Gross
financial
year.
(applies to residential cases also). income
This cfor
an previous
be found in the case overview tab within the case Buy
to Let
CasesThis facility will create a new case ID using the previous details. Simply change any summary section. When
applying
for more than
onepBuy
to Lettcase
a borrower,
youacan
‘Copy
as new
This can be found in the
different information e.g. roperty ype, for
product, loan mount and then case’.
submit. case overview tab within the case summary section. This facility will create a new case ID using the previous details. Simply
change
any different information e.g. property type, product, loan amount and then submit.
an AIP or full Application you’ll be asked to enter details of any existing mortgages. If the applicant is remortgaging their
In
existing residential property mortgage onto a Buy to Let basis please enter ‘0’ as the existing mortgage amount. You’ll need
In an AIP or full Application you will be asked to enter details of any existing mortgages. If your to provide the following information at the end of the form:
customer is remortgaging their existing residential property mortgage onto a Buy to Let basis please •
Loan amount (including any capital being raised)
enter ‘0’ as trental
he eto
xisting mortgage amount. You will need to provide the following information at the •
Estimated
be received.
end of the any
form: Please
note
automatic acceptance assumes that the rental received will meet our minimum Estimated Rental Value (ERV).
This will be recalculated when the valuation is received. Please see our lending criteria on our website
www.bankofireland4intermediaries.co.uk for full details.
-­‐
Loan amount (including any capital being raised) -­‐
Estimated rental to be received 20 of 22
Getting Started
Using The System
Useful Information
Case Amendments
At any time before you submit a case for a decision you can make amendments. Once a case has been submitted, the save/
submit options will remain available to you until it has been allocated to an underwriter.
Applicant Verification
In line with Anti-Money Laundering Regulations and to help protect against fraud, we are required by law to verify the
names and addresses of all applicants. When we receive the applicant’s application we will attempt to electronically verify
their identity through a credit reference agency. If we are unable to obtain this information we will ask you for identification
documents. If this is necessary, we will give you a list of acceptable documents to send with our other requirements.
Decisions Explained
•
Accept – if your case is accepted you‘ll be asked to pay the valuation fee online within three working days, otherwise the case will be closed.
Please note that anything written in the AIP or Applications additional information section will not be taken into account with
an auto accept. However, this additional text will be reviewed by an underwriter and subsequently the decision may change.
We reserve the right to request further information and review our decision if major differences exist when the application is
submitted.
•
Decline – if a case is an auto decline you have the right under the Data Protection Act to request that an underwriter reviews a credit scored decision.
Please note that if the case has been declined because of the credit score and the applicant would like to appeal, information
on how to do this can be found in ‘Our Decision Explained’ booklet which is available from us on request.
•
Refer – this means that the case needs referral to an underwriter to decide whether we are able to proceed with it. An
underwriter will normally review your case within three working days. Click on the ‘Messages’ tab within the case summary section to view the underwriter decision for the case.
Interest Only Cases
If any part of a residential mortgage is interest only we will require evidence of the chosen repayment strategy. Please see our
lending criteria on our website www.bankofireland4intermediaries.co.uk for full details.
Loan Type
Select the loan type required i.e. fixed rates, trackers etc. Only products of the selected loan type will be shown in the drop
down list.
Outgoings
Please key in all committed outgoings and indicate if they are to be repaid on completion. If you have already submitted an
AIP the total of the committed outgoings declared in the full application should match the total committed outgoings declared
in the AIP.
Porting Cases
If you have a Bank of Ireland customer who would like to port their existing mortgage product to a new property, please call
our sales enquiry line on 0345 266 8928*.
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Getting Started
Using The System
Useful Information
Returned Rules
U100
Notice of Correction
D Rules
Decline
X Rules
Exception to criteria – referred to an underwriter
U Rules
Application requires assessment by an underwriter
I Rules
Information rules to assist with underwriter requirements
Although all relevant rules will be displayed, if any decline rules are returned the case will not be referred as it has been
automatically declined. The only exceptions to this are if the applicants have registered a Notice of Correction (Rule U100) or
the ‘Unmatched Address’ rule is returned (U209). An underwriter will assess these cases.
The ‘Information Rules’ will assist in underwriter requirements and will advise if the applicants are on the Electoral Roll, if so
for how long, and will cover both current and previous addresses. ‘I’ rules will also advise if the applicant’s existing mortgage
is shown on the credit bureau and whether it has been held for more than 12 months. These rules will indicate whether you
need to obtain proof of residency and/or proof of mortgage payments.
Solicitor’s Details
If the product the applicant is applying for includes standard legal fees, this section will be automatically populated for you.
Any Problems
If you are having problems with the system please contact our sales support team from 9am to 5pm, Monday to Friday on
0345 266 8928*. If we are unable to resolve your query immediately, we will take your details, investigate the problem and get
back to you.
FOR INTERMEDIARY USE ONLY - NOT FOR PUBLIC DISTRIBUTION
* Please note calls may be recorded for training and monitoring purposes.
Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. All queries relating to our UK mortgage products and services should be addressed
to our UK administration centre at:- Bank of Ireland (UK Mortgages), PO Box 3191, One Temple Quay, Bristol, BS1 9HY. Telephone: (0117) 979 2222.
Fax: (0117) 929 3787.
C0363 BIM0201 0615 MA375
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