A Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies.

When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies

A Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for a FAB mortgage.

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