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How to Apply

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Applying for a mortgage with us is a simple, two-step process.

Step 1 – Get a Decision in Principle (DIP)

A DIP certificate is a free, no-obligation confirmation of whether we’d be prepared to lend to you. You can get a DIP before you make an offer on a property and you can apply for it 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 and have had an offer accepted on a property, you can complete your full mortgage application. At this point, you’ll choose a mortgage deal, indicate how you’ll pay any applicable product fees and tell us about your source of deposit. 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. For further information on what documentation we may need, visit our mortgage application proofs guide.

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

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