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

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 in Northern Ireland only. If you are buying a home in England, get in contact with your local Mortgage Advice Bureau External link icon broker to find out how much you could borrow.
  • 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?

Book your mortgage meeting

Already booked your meeting?

View or make changes here

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

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