Just like when you got your current mortgage, you’ll need to get a Decision in Principle (DIP) before completing a full mortgage application. The DIP allows us to confirm, in principle, that we’d be prepared to lend to you. You can apply for a DIP online, over the phone or in branch.
Just as a reminder, getting a DIP involves a soft credit check but won’t affect your credit score. A DIP is valid for 90 days.
Porting your mortgage?
You'll still need to get a Decision in Principle. This is so we can understand if your circumstances have changed since you applied for your current mortgage.