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If you want advice when choosing your next mortgage, you can apply by phone or at the branch. If you are comfortable choosing a mortgage without advice, you can apply online. Just so you know how to go through the mortgage application, you will first receive a decision in principle (DIP). This can be used to let real estate agents know that you have in principle guaranteed credits for the proposed real estate. If you know the zip code, you can use the `What Region?` Finder on our home price index calculator. If you don`t know the zip code, please read this map that describes all regions nationally. Just as if you received your current mortgage, you must obtain a decision in principle (DIP) before taking out a full mortgage application. The DIP allows us to confirm in principle that we would be willing to lend you money. You can apply for a DIP online, by phone or at the store. A DIP certificate is a free and non-binding confirmation if we are willing to lend you something.
You can receive an ID before making an offer for a property and you can apply online, even if you want to continue your application by phone or in the store. Viewing an IDR involves a gentle credit review and has no influence on your credit score. If you apply online, but decide at any time where you want advice, you can always stop where you are and finish your application by phone or at the office. If you apply online, you can send your documents by email or mail or send them to your local office. You can apply for a DIP online, by phone or at the store. It is free and there is no obligation to apply for one of our mortgages afterwards. If you are happy to opt for your own offer, you can apply online. Just so you know that if you decide to apply online without advice, you must make your own choice that matches the mortgage that matches your needs, and you will not benefit from the protection of having an appropriate product that is recommended to you. The Financial Conduct Authority has rules on how to make sure we recommend an appropriate product for you, choosing your own deal means you don`t benefit from these rules and you can choose a product that is less suited to your needs. If you are comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you are responsible for the mortgage you choose.
You do not receive any advice from us, so you will not be protected if you decide later that the mortgage you chose was not appropriate. If you don`t want advice or help with your application, you need to be sure that you are willing to accept responsibility for choosing a mortgage that is right for your situation. If you can apply without advice, you can apply online. If you apply to borrow more, you can apply with advice (by phone or in the store) or without consultation (online). You can also launch your application online, but switch to a recommended itinerary at any time.