1. Personal
  2. Mortgages
  3. Decision in principle

Decision in principle

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
Start new decision in principle

Already started?

You’ll need your application reference number, which was emailed to you to continue your decision in principle. Or if you’ve already completed it, you can now apply online.

Continue

If you know you want to apply in branch for your mortgage, you should book an appointment and complete your decision in principle in branch at the same time.

Before you start your online decision in principle

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

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
Get started