How to apply

Skip to page content

The Bank of England base rate decreased by 0.25% on Thursday 8 May. Base Rate Tracker Mortgages decreased by 0.25% on 1 June. Flexx for term, SVR or Privilege mortgage rates decreased by 0.15% on 1 June 2025. See what this means for you here.

Give us a call on 0800 121 6162. Set aside enough time – it can take 45 minutes to 1.5 hours.

If you call us about getting a mortgage, remortgaging, switching or borrowing more, then ‐ like all lenders ‐ we’ll go through detailed questions to assess what you can afford.

One of our advisors will explain our mortgages and help you find the right one

Call us on 0800 121 6162 and we’ll be happy to help. We’ll help you find a Godiva Mortgages product that suits you and help you apply.

If you are a Buy to Let customer you can choose your product before you call.

We don't charge anything for this but remember - we only offer our own mortgages. When you call us, you’ll need some information to hand about you and the property you’re interested in.

What you’ll need to have to hand

Who you are

Your name, address and date of birth (plus proof of ID)

About the property

Its value, plus details of any current mortgage

What you can afford

Income details, and how long you want the mortgage for

What happens next?

You’ve applied for your mortgage and we’ve agreed to it. This is what happens next.

What to expect

When your mortgage has been agreed, we’ll post you out a mortgage offer pack. It has everything you need to know about your terms and conditions and our Tariff of mortgage charges leaflet.

Your terms and conditions

Your mortgage terms and conditions form part of a legally binding contract so it’s really important that you read them carefully. If there’s anything you don’t understand, speak to your solicitor.

Your solicitor

If you’re buying or selling a property, remortgaging or transferring equity, your solicitor will deal with the legal aspects of it, the ‘conveyancing’. If you’re unsure about any of your mortgage conditions, ask your solicitor to go through them with you.

What you’ll receive

Your mortgage offer pack will contain the following:

Our General Mortgage Conditions – the standard conditions that will apply to your mortgage.
Tariff of Mortgage Charges –a summary of the charges that may apply to your mortgage. You can use this to compare us to other mortgage lenders.
Special Conditions – specific terms and conditions that relate to the mortgage you’ve applied for.

Need help?
Call us to discuss your needs with our award winning customer service.

Call us on

0800 121 6162

Monday - Friday
Saturday
Sunday
Bank holidays

8am - 7pm
9am - 2pm
Closed
Closed

Manage your cookies

We use three types of cookies to improve your experience. You can choose which optional cookies you’d like to allow below. We’ll save your preferences and apply them when you visit our site in the future. You can find out more in our Cookie Policy.

Essential cookies

Essential cookies are necessary for our website to work. They keep you secure, make sure pages load properly and enable basic features like navigation. These can’t be turned off.

Always active

Performance / analytics cookies

Performance cookies help us understand how you use our website, so we can make it better. They only collect anonymous data, like how long you spend on a page.

Advertising cookies

Advertising cookies help to show you ads that match your interests. They’re managed by trusted third parties so you should only see things that are relevant to you.