Get ahead. Get a quick decision

How getting a 'Decision in Principle' can put you in a strong
position as a buyer

In many cases, the first step towards an HSBC mortgage is to get a Decision in Principle. This is a quick decision that tells you the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check (which will not affect your credit rating). You'll then receive your Decision in Principle certificate.

There are real advantages to having a Decision in Principle certificate in hand before you start house hunting. You'll:

  • have a realistic idea of your buying budget
  • be seen as a serious buyer by estate agents
  • be in a stronger position when making an offer
  • potentially save time when you go on to apply for your mortgage

How do I get a Decision in Principle?

There are three options for you to choose from:

The figures and information provided as part of your Decision in Principle are for illustration only and do not constitute an offer to lend to you.