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Get a decision in principle

A decision in principle tells you if we could lend you the amount you need

What you need to get started

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

Before you start, see how much you could borrow, compare our rates and make sure you've read a straightforward guide to your mortgage (pdf)

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Already started or completed a decision in principle?
With your application reference number you can continue your decision in principle, or if you've already completed your decision in principle you can now apply online. See how easy it is to apply online by watching our short video

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property. 

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Frequently asked questions

  • If you're buying a home it's a good idea to get a decision in principle before making an offer.

     

    A decision in principle, also called an agreement in principle, confirms if we could lend you the amount you need. You'll need to get a decision in principle before applying online for a mortgage.

     

    The decision in principle is free and valid for 60 days. We do a soft credit check on you, which doesn't affect your credit rating.

     

    There's no obligation to then apply for a mortgage with us after you've got your decision in principle. However if you want to apply for a mortgage, you can apply online without receiving advice from us or you can get advice over the phone.

  • You should get a decision in principle before you've had an offer accepted on a property. However you can't apply online for a mortgage until you've had an offer accepted. This is because we ask you questions about the property you're buying, so it's essential to know your offer has been accepted.

  • You can apply for a mortgage with us in as little as an hour. However everyone's circumstances are different and therefore it could take longer.

     

    Having everything to hand before you start will make applying quicker and you can save and come back to your application.

  • No. You can save and continue both your decision in principle and mortgage application, so you don't have to complete them in one go. However the mortgage application will 'time out' after 30 minutes of inactivity.

  • Can't find what you are looking for? Find more on the mortgages FAQs page.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.