Decision in principle | Santander UK

Get a decision in principle

Tells you if we could lend you the amount you need.
Provides a free instant decision.
Is valid for 60 days.
Won’t affect your credit rating.

Before you start your online decision in principle

Make sure you’ve read:
A straightforward guide to your mortgage (pdf) (143 KB)

Have the following information to hand:

Type of property and how much you want to borrow
Personal information including address history for the last 3 years
Details of your income and outgoings
Details of any financial commitments such as credit cards or loans

Start my decision in principle

Already started?

You'll need the application reference number we emailed to you to continue your decision in principle (DIP). If you already have your DIP, you can use the same number to start your mortgage application.

If you've got less than a 10% deposit you'll need to call us to get a decision in principle. These mortgages aren’t available online.