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Online banking

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If I am accepted for a mortgage in principle, but do not yet have a property, how long is the decision valid for?

If you’re accepted for a mortgage in principle, our acceptance decision will be valid for 90 days.


Once you find a property we’ll confirm whether the property meets our criteria, complete your credit search and ask you to pay any fees.


We’ll ask you for some evidence to back up the information you give us, such as proof of income and your address.


Once the property has been valued and we’ve satisfactorily verified all your information, we’ll send you a Formal Offer.