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How to Apply

Apply to borrow more

You can apply to borrow more in two simple steps.

Step 1 – Get a Decision in Principle (DIP)

A DIP certificate is a free, no-obligations confirmation of whether we’d be prepared to lend to you. You can get one online, even if you want to continue your application over the phone or in branch. Before you get a DIP, it's worth considering that a credit check is a part of this step, and numerous credit checks aren't good for your credit score. If you’d like to find out how much you could borrow first, you can use our Mortgage Affordability Calculator

Step 2 – Complete your full mortgage application

Once you’ve got a DIP, you can complete your full mortgage application. At this point, you’ll choose a mortgage deal, and indicate how you’ll pay any applicable product fees. If you'd like to get an idea about our mortgage deals before applying, search our mortgage rates to see mortgage product features and fees. You can apply in branch or over the phone with advice, or online without advice.

When your application is complete, we'll let you know if we require any documentation or extra information, and we'll keep you informed about your application status.

Can you borrow back instead?

If you took out a mortgage before 4 March 2010 and have been making overpayments on your mortgage, you may be able to withdraw money from your overpayment reserve. You'll need to have a borrow back option on your mortgage to be eligible. Find out more about borrow back options or give us a call on 0800 30 20 10.

YOUR MORTGAGE IS SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.