Get a Decision in Principle (DiP)

Whether you’re buying your first home, moving home or switching your mortgage to us, take the first step in your mortgage journey.

Why get a Decision in Principle?

  • It’s an estimate of how much you may be able to borrow and shows vendors you’re serious about their property
  • It's quick and easy
  • It won't impact your credit score

What we'll ask you about

  • The property and how much you'd like to borrow
  • Your employment and income
  • Your outgoings

It may be helpful to have your payslips and bank statements at hand so you can refer to them.

A Decision in Principle does not guarantee that we will approve any future mortgage application that you make or reserve you a particular product or rate.

Things you need to know

  • This decision in principle is for the use of customers purchasing a property in Northern Ireland. If you are an existing customer buying a home in the UK, outside Northern Ireland, get in contact with us on 0800 389 0833 to see if we can support you. Lines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.
  • Whether we provide credit depends on your circumstances, and you must be 18 or over. Lending terms and conditions apply.
  • This information does not contain all of the details you need to choose a mortgage
  • Your home is security for your mortgage. Other security may be required.
  • Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage

Start a new Decision in Principle

Get Started

Continue or review your Decision in Principle

Access my DiP

Already got a DiP?

Start your mortgage application

Already booked your meeting?

View or reschedule here

This is an online service and the first stage of your mortgage journey, if this service isn’t suitable for you, then please contact us on 0800 389 0833. Lines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.

If you are not ready to start a Decision in Principle you can use our calculators to find out how much repayments may cost.

DiP Explained

Troubleshooting FAQs

Ask us more or book an appointment

Talk to us about a mortgage…

0800 389 0833
  • Main phone opening hoursLines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.
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    Talk to us about a mortgage…

    0800 389 0833
    • Main phone opening hoursLines are open between 8am and 6pm Monday to Friday, (except for bank holidays in Northern Ireland) and 9am and 1pm on Saturdays.
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