Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users’ requirements and to enable us to learn which advertisements bring users to our website. Select Accept below if you wish to proceed or How to change your cookies for instructions on how to manage your cookie settings. Find out more about our Cookie Policy.
Accept
How to change your cookies

Discover your mortgage potential in less than 10 minutes

Start an Agreement in Principle

Request a Mortgage in Principle Online

A mortgage Agreement in Principle is the first step towards your mortgage. It provides you with an indication of whether we could lend you the amount you need to borrow.

It only takes around 10 minutes to complete the form and get a result. We'll ask about your income and regular spending. We will undertake a soft credit search which has no impact on your credit file.

The information you provide will allow us to, in principle, agree to the amount you could borrow. If you then decide to apply for one of our mortgages, we’ll ask you to provide more detailed information about your circumstances.

An Agreement in Principle doesn’t guarantee you will be successful in a mortgage application, but it can give you an idea of how much we may be able to lend.

Please note we currently cannot provide an Agreement in Principle for interest only or buy to let mortgages. For more information on interest only or buy to let mortgages, contact us on 0800 023 2201. (Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm).

Who can apply

  • UK and EU residents aged 18 and over
  • Moving your mortgage from another provider
  • Only available for residential properties in the UK (excluding Northern Ireland)
  • Using sterling income or assets only to repay the mortgage

Changes to our products and policy

Some temporary changes to our usual product range and policy requirements are currently in place. We’re continuing to monitor the situation closely and we’re working hard to support as many customers as possible.

We are currently unable to accept any form of variable incomes (overtime, commission, bonus).

As a responsible lender we must ensure that all lending is affordable, therefore if you’re self-employed your application will be assessed to allow us to understand how COVID-19 has affected your business.

For new lending and additional borrowing, we are currently unable to accept any income received through the Furlough Scheme. If you are an existing customer making a change to your mortgage which does not increase your borrowing, we can consider using the Furlough Scheme subject to individual assessment.

Discover your mortgage potential in less than 10 minutes

Start an Agreement in Principle

OR

Continue a saved Agreement in Principle (opens in a new window)

Once you’ve got an Agreement in Principle, you can choose to start your mortgage application online with Yorkshire Bank, if eligible.

All applications are subject to status and lending criteria. A final lending decision will be based on assessment of how much you could reasonably afford, your individual circumstances, your credit score and the suitability of your property for security of your mortgage amount.

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

If you already have an Agreement in Principle and would like to speak to one of our mortgage advisers call us on 0800 023 2201

Interested in a mortgage?

Your next steps

Give us a call

  • If you've got any questions, get in touch.

    New Mortgage customers

    0800 023 2201

    Mon - Fri 8am - 5pm, Saturday 9am - 1pm


    Existing mortgage customers

    0800 121 4203

    Mon - Fri 8am - 5pm, Saturday 9am - 1pm

You may also be interested in

Our mortgage products and rates

Top Mortgage questions

Have a question about our mortgages? Have a look at some of the questions we’re asked most often.

All frequently asked questions

You are here:  Personal Banking  >  Mortgages  >  Agreement in Principle

You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.