Before applying for a mortgage you may need a Decision in Principle (DIP), sometimes referred to as an Agreement in Principle (AIP). A DIP gives an indication as to how much you could borrow from us and many sellers or estate agents ask to see your DIP as assurance that you can get a mortgage. It is for illustrative purposes only and doesn't provide all the information you need to choose a mortgage.
A Decision in Principle (DIP) is not specifically related to a mortgage product within our range, and we reserve the right to withdraw our products at anytime without notice. Whilst you may be accepted by our Affordability Calculator and Decision in Principle, we may not have a product available to suit you.
Provide us with your details and we'll quickly let you know how much you could potentially borrow.
You'll have 30 days to submit a full mortgage application without having to repeat the DIP.
We will carry out a 'soft' credit check which won't affect your credit score
If you are furloughed we are unable to offer you a mortgage if your application relies on this furloughed income to pass our affordability check.
If you are currently in receipt of self-employed grants due to Covid, additional checks may be required to ensure the business is stable and back trading.
For further information take a look at our Frequently Asked Questions.
To get started you'll need to check your affordability using our affordability calculator and then request a DIP. This is done in two easy stages:
If you've already got your affordability calculation, follow the instructions within your email. You can access it for 30 days before having to start again.
If you don’t complete both stages in one sitting, at the end of your affordability calculation we’ll send you details via email to allow you to complete your DIP within 30 days. Make sure you provide your email address and mobile number to be able to start from where you left off.
Need Help? Chat to us via web chat or call us on 0345 607 9825.
Important information: We will use the information obtained from the credit check to undertake an automated assessment of your ability to afford the mortgage. Where we assess it is not affordable, your application may be rejected without being manually assessed by the Society. If the information you provide in the Affordability Calculator indicates that we might be able to lend to you, we will then carry out a soft credit check, which means our check won't affect your credit score.
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