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Getting your Agreement in Principle...

Submitting your Mortgage Application...

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Agreement in Principle

Let's get started...

To find out how much you could borrow, please answer a few questions. This will take about 10 minutes, so let's get started.

Do you have a mortgage with us already?

Yes

Is the mortgage for...

Your home

A buy to let property

Are you...

A first time buyer

You want to buy your first ever home to live in.

That's me

Moving home

You already own your home, but want to buy a new one.

That's me

Planning to remortgage

You already have a mortgage, but you’d like to find out about a remortgage with us.

That's me

Are you...

Buying a property

You want to buy a property to let.

That's me

Planning to remortgage

You already have mortgage, but you would like to remortgage with us.

That's me

Are you...

Buying a property

I am an existing customer who is planning to buy a property.

That's me

Planning to remortgage

You already have a mortgage, but you’d like to find out about a remortgage with us.

That's me

Are you...

Moving home

You already own your home, but want to buy a new one.

That's me

Planning to remortgage

You already have a mortgage, but you’d like to find out about a remortgage with us.

That's me

Before you start...

We'll ask about the property, your income and expenditure
Your Agreement in Principle is an indication of how much we could lend you and is not a commitment to lend
Getting an AIP won't affect your credit score

Find out more about the types of credit checks we use

Our Agreement in Principle tool uses a soft credit check which is just an initial look at your financial situation. These soft credit searches aren’t visible to other companies, so they won't affect your credit score now or in the future. Only you and the lender can see the results and you can have multiple soft credit searches without worrying about your credit score.

A full credit check is performed when a lender makes a full analysis of your credit history. This type of check will be visible on your credit report so any company will be able to see that you've applied for credit.

Eligibility

We need to start with some eligibility questions.

Please confirm that you're...

Aged 18 or over
A UK national residing in the UK
Paid your income in Pound Sterling
Planning to buy or remortgage a property in the UK

Yes

Have you...

Ever had a property seized or defaulted on a mortgage?
Ever organised a debt repayment plan with creditors?
Been declared bankrupt or had a County Court judgement against you in the last six years?
Returned from furlough in the past month or are currently on furlough?

Yes

Can you confirm that the property you want to buy will be let out for investment purposes?

This means that you want to benefit from rental income or future rises in house prices

Yes

Sorry, we can't give you an Agreement in Principle online

If you are looking to let out the property, we think you may benefit from getting in touch with one of our mortgage professionals.

You can get in touch over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

Eligibility continued

To see if you're eligible to apply online, please answer the following questions.

Are you planning to apply for a shared equity mortgage?

Yes

Sorry, we can't give you an Agreement in Principle online

Unfortunately we are not able to offer shared equity mortgages online. Please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.

You can get in touch over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

How many people are applying?

Do you have permission to provide the joint applicant's details?

Yes

Do you and/or any joint applicant own any other properties?

Yes

Include your own home and any properties that aren't let to tenants, plus any second residences or holiday homes.

Sorry, we can't give you an Agreement in Principle online

If you own more than 4 residential properties already, please contact one of our mortgage professionals to get your Agreement in Principle.

You can get in touch over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

Include any buy to let and consent to let properties.

Sorry, we can't give you an Agreement in Principle online

If you own more than 3 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle.

You can get in touch over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

Sorry, we can't give you an Agreement in Principle online

If you own more than 2 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle.

You can get in touch over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

We care about your privacy

We will use the details you provide on this form to give you your AIP result
If you consent by providing us with your email address or mobile number, we will communicate with you regarding your AIP and application
We use the information to evaluate our online tools and improve customer experience
We may share your information with a third party service provider acting on our behalf to get your feedback on your experience. Initial contact will be by email with no obligation to take part

For detailed information on how we use, store and share customer information, please see our full privacy notice

I/we confirm that I've/we've read the above information

Personal details

Let's start with a few details about you.

Your name as it appears on your passport or driving licence

How would you like to be addressed?

First name

Middle name (optional)

Last name

Date of birth

What is your current address?

Select the magnifying glass to search for your address

Enter address manually

Flat number

House number

House name

Street

Town

City

County

Postcode

Do you own this property ?

Either sole ownership or joint with another person.

Yes

Your contact details

Email address

To send your Agreement in Principle, we need an email address.

Mobile phone number

Please enter a mobile number as we may contact you by SMS.

Personal details: the second applicant

That's great. Now please tell us about the second person applying.

What is the second applicant's name, as it appears on their passport or driving licence?

How should they be addressed?

First name

Middle name (optional)

Last name

Date of birth

Does the second applicant live at the same address?

Yes

What is their current address?

Select the magnifying glass to search for your address

Enter address manually

Flat number

House number

House name

Street

Town

City

County

Postcode

Their contact details

Email address

Please enter a different email address to the one given by the first applicant.

Mobile phone number

Please enter a different mobile number to the one given by the first applicant.

[#applicant]'s finances : income

Now let's talk about your income.

[#applicant], what kind of employment are you in?

I'm employed full-time/part-time

I'm self-employed

I’m not working

I’m retired

Sorry we can't give you an Agreement in Principle online

If you are not currently working we think you may benefit from getting in touch with one of our mortgage professionals.

Get in touch with us over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

Sorry we can't give you an Agreement in Principle online

If you are fully retired we think you may benefit from getting in touch with one of our mortgage professionals.

Get in touch with us over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

How long you have been self-employed?

More than two years

Less than two years

Sorry, but we can't give you an agreement in principle online

If you’ve been self-employed for less than two years, we can’t give you a agreement in principle online.

You can get in touch with us over the phone or visit us in branch

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

Your annual basic income before tax

If you are self-employed, please enter your average income before tax over the past two years.

Do you have any other sources of income?

This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.

Yes

Annual income before tax

Add another income type

[#jointapplicant]'s finances: income

Now let's look at [#jointapplicant]'s income.

What kind of employment is [#jointapplicant] in?

Employed full-time/part-time

Self-employed

Not working

Retired

How long have they been self-employed?

More than two years

Less than two years

Sorry we cant help you right now

If you’ve been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.

Get in touch with us over the phone or visit us in branch.

Call us on: 0800 056 0567

Relay UK: 18001 0800 056 0567

[#jointapplicant]'s annual income

If they are self-employed, please enter their average income before tax over the past two years.

Do they have any other sources of income?

This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.

Yes

Annual amount before tax

Add another income type

Summary

We want to give you the most accurate result, so please make sure all these details are correct before finding out how much you could borrow.

Borrowing details

Estimated property value

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Deposit

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Mortgage owed

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Additional borrowing

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Estimated monthly rental income before tax

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Choose your repayment type

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Is the property less than two years old?

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Are you receiving an incentive from the builder?

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Builder incentive

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Type of property you are planning to buy

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Expected retirement age

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Expected retirement age - joint applicant

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Mortgage term - years

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Mortgage term - months

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Edit

Personal details

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Title

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First name

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Last name

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Date of birth

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Postcode

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Email address

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Phone number

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Do you own this home?

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About {{= aip_personal_details.joint.firstName}}

Edit

Title

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First name

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Last name

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Date of birth

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Does the second applicant live at the same address?

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Address

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Email address

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Phone number

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Do you own this home?

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Financial details

{{= aip_personal_details.self.firstName}}'s income

Edit

Employment status

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Annual income

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Do you have any other sources of income?

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Total income

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Edit

Employment status

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Annual income

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Do they have any other sources of income?

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Total income

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{{= aip_personal_details.self.firstName}}'s expenses

Edit

Total credit card balance

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Total monthly loan repayments

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Total monthly expenditure

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Do you have any dependants?

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Total number of dependants under 18

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Total number of dependants over 18

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{{= aip_personal_details.joint.firstName}}'s expenses

Edit

Total credit card balance

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Total monthly loan repayments

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Total monthly expenditure

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Total number of dependants under 18

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Total number of dependants over 18

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Your properties

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Edit

Remove

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Edit

Remove

Back

Save

Cancel

Save and continue

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Continue to AiP

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Steps completed so far

Getting started
Eligibility
Eligibility continued
Personal details
Joint personal details
Income
Outgoings
Joint income
Joint outgoings
Portfolio builder
Borrowing details
Summary

please wait....result is going to get displayed

Your monthly payments could be:

£0 per month

to

£0 per month

with a mortgage term of

depending on the mortgage deal you choose.

Remember: The longer it takes you to pay off your mortgage, the higher the amount of interests you will pay

Sorry, but based on the information you have supplied us, we are unable to provide you with a borrowing quote.

You could try entering different values to see how this affects the outcome.

Want to speak to someone?

You can do this in branch or over the phone. Call us on 0800 056 0567. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 056 0567

Representative example

Fixed rate

A mortgage of £93,200 payable over 20 years, initially on a fixed rate for 5 years at 2.32% and then our variable rate of 3.59% for the remaining 15 years would require 60 monthly payments of £485.74 and 180 monthly payments of £530.71.

The total amount payable would be £125,923.81 made up of the loan amount of £93,200 plus interest of £32,723.81. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 3.2% APRC representative.

Tracker rate

A mortgage of £113,821 payable over 15 years and 2 months, initially on a tracker rate for 2 years at 1.97% below the Royal Bank of Scotland base rate and then our variable rate of 3.59% for the remaining 13 years and 2 months would require 24 monthly payments of £705.78 and 158 monthly payments of £798.04.

The total amount payable would be £144,272.72 made up of the loan amount £113,821 plus interest of £30,451.72. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 3.3% APRC representative.