Why get a Decision in Principle?

As well as finding out how much finance we could provide, you’ll get an idea of how much you can afford to spend. It also means you can show it to estate agents and home builders to prove you are a serious buyer.

A Decision in Principle is not a formal offer of finance, so you will still need to make a full application to see if we can provide the finance you require.

Before you start, some things you need to know

  • You must be a UK resident to get an online Decision in Principle. UK Expats and International Residents should apply here
  • It takes around 10 minutes to complete, and we’ll provide a decision straight away
  • We will ask questions about you and other applicants including details about income, address history and financial commitments
  • We will only do what’s called a ‘soft credit check’, meaning the check we undertake will not appear on your credit report and your credit score will not be affected

Start Decision in Principle