Where an offer has expired but the application is still proceeding, we aim to re-offer as quickly and with as little customer friction as possible.

To initiate this process, the Sales Team should be contacted prior to the expiry date to notify us that a re-offer will be required.

Once initial contact has been made, the Underwriter will re-assess the application. The reassessment requires the following essential steps:

• A new product being selected - please inform the sales team of the applicable product
• A new valuation being carried out
• A new credit check and all other applicable checks being run
• Confirmation of 'no change in circumstance' - an email will be sent out in this regard after the re-offer process has started

Following the initial contact, no further input or updated documents (such as payslips or bank statements) should be required unless there has been a material change to the application.