Applying for a mortgage with is simple. It involves two key stages: getting Decision in Principle (sometimes called an Agreement in Principle), and then making a mortgage application. 

Getting your Decision in Principle

Applying for a Decision in Principle can be done over the phone, in branch or online.

  • A Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies.
  • When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies.
  • A Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for mortgage.

Applying for a mortgage

The actual process of making a mortgage application – after you’ve gotten your Decision in Principle – can be done over the phone, in branch or online. 

You will be asked to provide relevant documents to support your application.

Start your application

woman on a phone on a couch

By Email

Step 1 - email to get a Decision in Principle

Step 2 - Provide us with your supporting documents

Find out more 

Expanded press enter to collapse Collapsed press enter to expand

In Branch

Step 1 - Visit your local branch and get a Decision in Principle 

Step 2 - Arrange an appointment with a Mortgage Advisor and provide us with your supporting documents

Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.

Find a branch 

Expanded press enter to collapse Collapsed press enter to expand
couple holding checking laptop

Online

Step 1 - Get a Decision in Principle online now 

Step 2 - You can choose to receive mortgage advice after receiving your Decision in Principle or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however you will not receive advice

Step 3 - After your application we'll contact you to submit your supporting documents through our secure document uploader.

Apply online 

Expanded press enter to collapse Collapsed press enter to expand

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What happens next?

Once you’ve submitted your documents to support your application, the following are the key next steps:

  • We’ll arrange a valuation of the property
  • If your mortgage is approved, we’ll send you an offer
  • After this, the legal work will be conducted
  • Once all the legal work is finished, your mortgage will be complete.

Existing customer switching rates

If you're an existing mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.

Back to top