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What's a Decision in Principle (DIP)? Before applying for a mortgage, you’ll need a DIP. This is also known as an Agreement in Principle (AIP) or a Lending Certificate. It confirms what we'd be prepared to lend to you. Getting a DIP involves a soft credit check and won’t affect your credit score.
We've made some changes to how we carry out mortgage valuations. And if your application has been impacted by coronavirus, you can apply for a mortgage offer extension.
Find out more about our changes to mortgage valuations and offers
We've made getting your DIP part of the applying process, so it's just one
application from the start of your home buying
journey to the end. Find out how much you can borrow, pause
your application and when you're ready to apply
for a full mortgage, just restart where you left off.
Don't worry, you're not committed to anything
at the DIP stage.
If you're comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you're responsible for the mortgage you choose. You'll get no advice from us, so you won't be protected if you later decide the mortgage you chose wasn't suitable.
Apply with advice. Call to book an appointment with a Mortgage Consultant. Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays).
While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice. Or, if you're happy to apply without advice, you can apply online.
Please bear with us at the moment
We may take longer to answer your calls, or to process your application. Some of our employees are self-isolating, and there is a lot to do, but we'll continue to work as fast as we can. As always, supporting our members is our top priority.
For these applications, please call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
Our website survey opens in a newwindow for you to complete once you'vefinished what you wanted to do.
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