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, an email confirming the re-offer requirement should be sent to [email protected] with the following details:

• The unique application reference number
• Confirmation of the new, on-sale, product being selected

this email should be sent prior to the expiry date of the current offer.

Once the email has been sent, the underwriter will review the application. The reassessment includes the following:

• A new valuation being carried out
• A new credit check and all other applicable checks being run
• An email requesting confirmation of 'no material change in circumstance' being sent to the broker

Upon completion of the initial re-assessment contact, no further input or updated documents (such as payslips or bank statements) will generally be required, provided there has been no subsequent material change to the customer's circumstances.