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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. 

Our awards

Our awards

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.