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Get a Decision in Principle (DiP)

Who can get a Decision in Principle?

  • First Time Buyers
  • Home Movers
  • Switchers
Start a Decision in Principle

Why get a Decision in Principle?

A DiP takes about 10 minutes and lets you see if you are eligible to borrow. It won't affect your credit score and can show sellers you're ready to buy.

Start a Decision in Principle

Access your mortgage application

If you’ve already completed your DiP, you can access and complete it in the Mortgage Portal.

Continue your mortgage application

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, please 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.
Customer support at Killeaton

Not sure what to do next and need a chat first? Don’t worry our local team are here to help

Call us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

0800 389 0833

0800 389 0833

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Chat to us

Mon-Fri: 8am-6pm / Sat: 9am-1pm / Sun: Closed

Start chat

Not ready to start your Decision in Principle?

Use our calculators to find out how much you can borrow and how much your repayments might be.


  1. Calculator icon

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  2. Share gross spend pie chart icon

    Find out what your repayments could be

    Use our repayment calculator to find out how much your mortgage may cost monthly. This helps you see what you could afford.

    Calculate repayments
  • Share gross spend pie chart icon
    1

    Find out how much you could borrow

    Start with our borrowing calculator to find out how much you might be able to borrow.

    Calculate borrowing
  • Account Statement icon
    2

    Find out what your repayments could be

    Use our repayment calculator to find out how much your mortgage may cost monthly. This helps you see what you could afford.

    Calculate repayments

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

Whether we provide credit depends on your circumstances, and you must be 18 or over.

Applications are subject to status and lending criteria. Your home is security for your mortgage, other security may be requested.

We offer mortgages for properties in Northern Ireland. If your home is in England, get in contact with your local Mortgage Advice Bureau External icon blue broker to find out how much you could borrow.

Decision in Principle (DiP) Explained

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