Frequently Asked Questions

The amount Progressive Building Society will lend to a customer is dependent on an assessment of their affordability based on acceptable income and expenditure.

The Society uses income multiples to give an indication of how much we may lend. More details can be found in our Lending Criteria.

For a more detailed assessment, our online Affordability Calculator can be used before submitting any application to provide you with an illustrative borrowing figure based on your client’s personal information. This will provide a high-level guide to the amount we are likely to lend based on your client’s income.

You can also generate a Mortgage Illustration or request a Decision in Principle for your client within our secure online intermediary portal.

Income multiples and our calculator tools are for indicative purposes only and an application will still be subject to a satisfactory Affordability Assessment, Credit Search, Verification Check and Valuation. 

To save your client’s results, follow the steps below:

The Society will not normally consider lending to an applicant(s) who has ever: 

Please contact your BDM should you wish to discuss a case with them. 

If you wish to change the email address you have registered with the Society you can do so by logging in to the online portal and going to the 'My Account' tab and then 'Change my Details'. 

If your FCA number has changed you will need to submit a new registration form online here.

If your email account has not changed, your login details will remain the same. If you have changed email, you will receive a new registration email.

If you simply wish to change your proc fee route to a new club, you can email mortgagesupport@theprogressive.com.

If you are not already registered with us, you will need to complete a registration form to join our panel before you can place any business. 

You can complete and submit a registration form here. We aim to process your registration within 3 working days of receiving your completed registration form. 

Once your registration is processed and you have been added to our panel, you will be sent a link and instructions on how to register for our online portal. This email link will be valid for 7 days. 

If you experience any problems registering to do business for the first time, amending your current registration, or any technical issues with Progressive Online, please contact our Support Team on 0800 0294 997 who will be happy to assist.

For questions regarding our lending criteria or to discuss a new business case, please contact your BDM. 

If you are registered for Progressive Online, you can submit applications for house purchases, product switch, self-build, new build and remortgage cases through this service.

The Society cannot presently accept online applications for the following: 

If you wish to submit an application for any of these application types, you should forward a completed paper mortgage application form to mortgagesupport@theprogressive.com. 

A mortgage application form can be downloaded here.

If you haven’t yet received an email with a link to allow you to register, please contact our Support Team on 0800 0294 997 who will arrange to send an email to you to allow you to register. This registration email expires after 7 days.

During registration will be asked to provide us with your email address and mobile number.  We will then send you two unique 6-digit codes for you to use.  You will then be asked to create a password.

Please note that depending on your email settings any emails may be directed to your spam folder.

Once you are successfully registered you will be able to login using the password you created and you will be able to submit new business and eligible product switch cases through Progressive Online.

If you have never placed business with Progressive before, you will need to complete a registration form to join our panel before you can place any business online.  You can complete and submit a registration form here.

We aim to process your registration within 3 working days of receiving your completed registration form. 

You can ‘save as draft’ at any stage of your online application. The ‘save as draft’ button is located at the bottom of your screen.

Saved drafts will be held within your home screen. To progress a draft please use the paper icon in the Actions column to progress.

This will generate a new mortgage application and a new mortgage reference number.  You will then be required to upload all required supporting documentation to the new application.

You will need to advise us, by calling our Support Team on 0800 0294 997, that the existing application is no longer proceeding.

If you need to make a smaller change, such as editing the solicitor details, you should contact our Support Team on 0800 0294 997 who can make these changes for you.

Please note that the new application may require payment of a new booking fee, if applicable, and a new product from the rates available at the time of re-application.

Refund of your client’s first booking fee, if applicable, may be arranged once you have notified us that you have submitted their new application.  Please note that a fee refund may take up to 7 days. 

If you submitted a case using Progressive Online, you can check the status of the application at any time by simply logging into Progressive Online.  

Your recent applications will appear on your home screen under “Applications”. You can also search for an application. This screen will be updated to let you know that the application has been successfully submitted and you can receive notifications to advise of application updates.

For further information, please contact your local BDM. If you have submitted a paper application, please contact our Support Team on 0800 0294 997, who will provide you with an update. 

If you experience difficulty when using the address lookup facility within the online portal, you can enter addresses manually by typing directly into the address field.

If you are entering an address manually, please input the full address including postcode. 

Then, check the bank has a registered address.  Some internet-based banks may not have a full address and so may not yet be included within our sort code finder.

If the sort code is correct and you are still facing difficulty or your client’s bank is internet-based, please contact our Support Team on 0800 0294 997 who will be happy to assist you. 

If your client’s solicitor is not found, please check the solicitor firm name and address is spelt correctly.

Then, check if the solicitor firm has more than one address, as it may be the other address the solicitor uses.

If your client’s solicitor isn’t on Progressive’s panel, your client can either change their solicitor for one that is on our panel, or you can contact our Support Team on  who will be happy to help you. 

As soon as you have submitted the case, you will find your application form is available for you to save and print by clicking on the PDF link.

You will also find that there is an up-to-date illustration included with the PDF copy of the application form which you can also save and print for your client. 

A Direct Debit Mandate must be completed for each mortgage application submitted to the Society.  The Mandate must be signed by the applicant(s)/account holder(s) and must be received by the Society prior to release of an Offer of Advance.

You can download a copy of the Direct Debit Mandate form here or within Progressive Online when you are inputting your client’s bank details.

You can scan and upload a signed Direct Debit Mandate through Progressive Online when uploading other supporting documentation.

We do not require you to send us an original copy of the Direct Debit Mandate, but we do require you to provide a recent bank statement for the corresponding bank account, to allow us to validate the bank details.

It is a condition of the Mortgage that the mortgage is paid by Direct Debit from a UK bank account.

Please ensure scanned copies are complete and legible. Failure to do so may cause a delay in processing your client’s application or issue of an Offer. 

Keeping your personal information safe is our priority. So that we know it’s really you, we will ask you to login to our online service using two steps (two-factor authentication).

When you login for the first time, you will be prompted to download the Salesforce Authenticator app onto your smartphone. Each time you login, you’ll need to use the authenticator app, so please keep it on your phone.

When you download the app, you’ll be asked to activate it, add an account, and link it to your Progressive Online profile. 

Once you have submitted your client’s mortgage application through Progressive Online you will have the opportunity to upload supporting documentation.

Please ensure all uploaded documents are copies of the original documents, complete and legible.  Any failure to upload a clear scanned copy may result in a delay to processing your client’s application.

We recommend that you upload supporting documentation as soon as you have submitted an application to ensure we can process it as quickly as possible. 

All documentation to support self-build applications can also be uploaded through our online portal.

Please ensure that site maps are uploaded in colour and are legible.