Ready to get a Decision in principle?
Before you apply, you should make sure that:
- You're a UK resident - if you're not a UK resident find out how to apply
- You're aged 18 or over
- You're not looking for a buy-to-let mortgage
- Your income is only received in GBP
- The mortgage is for your main residence and you're not looking to borrow more for your current property
- You're not a member of the armed forces
- Your mortgage term is not greater than 35 years
- You're not purchasing through a government scheme, such as Help to Buy
We'll ask you a few questions about yourself and any other person you want to take out a mortgage with. It takes about 5 minutes, and won't affect your credit score.
If you don't meet all of the criteria, get your decision in principle here.
For buy-to-let mortgage applications find out more.
Already have your decision in principle?
Once you've got your decision in principle and found a property, you'll be ready to apply for a mortgage.
You can choose to apply online, without help from a mortgage adviser.
Or you can book a phone, Zoom or branch appointment with a mortgage adviser if you'd like mortgage advice.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Frequently asked questions
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