Retrieving your data...

Preparing your dashboard...

Getting your Agreement in Principle...

Submitting your Mortgage Application...

We're just getting it ready for you...

Agreement in Principle

Let's get started...

To find out how much you could borrow, please answer a few questions. This will take about 10 minutes, so let's get started.

Do you have a mortgage with us already?

Yes

Is the mortgage for...

Your home

A buy to let property

Before you start...

We'll ask about the property, your income and expenditure
Your Agreement in Principle is an indication of how much we could lend you and is not a commitment to lend
Getting an AIP won't affect your credit score

Find out more about the types of credit checks we use

Our Agreement in Principle tool uses a soft credit check which is just an initial look at your financial situation. These soft credit searches aren’t visible to other companies, so they won't affect your credit score now or in the future. Only you and the lender can see the results and you can have multiple soft credit searches without worrying about your credit score.

A full credit check is performed when a lender makes a full analysis of your credit history. This type of check will be visible on your credit report so any company will be able to see that you've applied for credit.

Eligibility

We need to start with some eligibility questions.

Please confirm that you're

Aged 18 or over
A national residing in the UK
Paid your income in Pound Sterling
Planning to buy or remortgage a property in the UK

Yes

Have you...

Ever had a property seized or defaulted on a mortgage?
Ever organised a debt repayment plan with creditors?
Been declared bankrupt or had a County Court judgement against you in the last six years?
Returned from furlough in the past month or are currently on furlough?
Received a Self-Employment Income Support Scheme grant at any point in the past 3 months?

Yes

Can you confirm that the property you want to buy will be let out for investment purposes?

This means that you want to benefit from rental income or future rises in house prices

Yes

Eligibility continued

To see if you're eligible to apply online, please answer the following questions.

Are you planning to apply for any of the following mortgages?

Shared equity
Shared ownership
Right to Buy
Interest only

Yes

How many people are applying?

We care about your privacy

We will use the details you provide on this form to give you your AIP result
If you consent by providing us with your email address or mobile number, we will communicate with you regarding your AIP and application
We use the information to evaluate our online tools and improve customer experience
We may share your information with a third party service provider acting on our behalf to get your feedback on your experience. Initial contact will be by email with no obligation to take part

For detailed information on how we use, store and share customer information, please see our full privacy notice.

I/we confirm that I've/we've read the above information

Personal details

Let's start with a few details about you.

Your name as it appears on your passport or driving licence

First name

Middle name (optional)

Last name

Date of birth

What is your current address?

Start typing part of your address

Enter address manually

Do you own this property?

Either sole ownership or jointly with another person

Yes

Your contact details

Email address

We need your email address to send your Agreement in Principle.

Mobile phone number

Please enter a mobile number as we may contact you by SMS

Getting in touch

We’d like to follow up with you and let you know about our mortgage offers and support you in the mortgage process if required. This won’t affect any other marketing communications you receive from us. We won’t share your information with any third parties for their own marketing purposes.

I'm happy for you to contact me about mortgages

Personal details: the second applicant

That's great. Now please tell us about the second person applying.

What is the second applicant's name, as it appears on their passport or driving licence?

First name

Middle name (optional)

Last name

Date of birth

Does the second applicant live at the same address?

Yes

What is their current address?

Start by typing a part of their address

Enter address manually

Their contact details

Email address

Please enter a different email address to the one given by the first applicant

Mobile phone number

Please enter a different mobile number to the one given by the first applicant

[#applicant]'s finances: income

Now let's talk about your income.

[#applicant], what kind of employment are you in?

I'm employed full-time/part-time

I’m self-employed

I’m not working

I’m retired

How long you have been self-employed?

More than two years

Less than two years

Your annual income before tax

If you are self-employed, please enter your average income before tax over the past two years.

Add another income type

[#jointapplicant]'s finances: income

Now let’s look at [#jointapplicant]'s income.

What kind of employment is [#jointapplicant] in?

Employed full-time/part-time

Self-employed

Not working

Retired

How long have they been self-employed?

More than two years

Less than two years

Add another income type

Summary

We want to give you the most accurate result, so please make sure all these details are correct before finding out how much you could borrow.

Borrowing details

Estimated property value

{{if aip_borrowing_details['propertyValue']!=""}} {{= aip_borrowing_details['propertyValue']}} {{else}} - {{/if}}

Deposit

{{if aip_borrowing_details['depositWorth']!=""}} {{= aip_borrowing_details['depositWorth']}} {{else}} - {{/if}}

Mortgage owed

{{if aip_borrowing_details['mortgageOwe']!=""}} {{= aip_borrowing_details['mortgageOwe']}} {{else}} - {{/if}}

Additional borrowing

{{if aip_borrowing_details['additionalBorrowingAmount']!=""}} {{= aip_borrowing_details['additionalBorrowingAmount']}} {{else}} - {{/if}}

Estimated monthly rental income before tax

{{if aip_borrowing_details['rentalIncome']!=""}} {{= aip_borrowing_details['rentalIncome']}} {{else}} - {{/if}}

Choose your repayment type

{{if aip_borrowing_details['repaymentTypeValue']!=""}} {{= aip_borrowing_details['repaymentTypeValue']}} {{else}} - {{/if}}

Is the property less than two years old?

{{if aip_borrowing_details['isNewBuild']!=""}} {{= aip_borrowing_details['isNewBuild']}} {{else}} - {{/if}}

Are you receiving an incentive from the builder

{{if aip_borrowing_details['isBuilderIncentive']!=""}} {{= aip_borrowing_details['isBuilderIncentive']}} {{else}} - {{/if}}

Builder incentive

{{if aip_borrowing_details['builderIncentive']!=""}} {{= aip_borrowing_details['builderIncentive']}} {{else}} - {{/if}}

Type of property you are planning to buy

{{if aip_borrowing_details['buildType']!=""}} {{= aip_borrowing_details['buildType']}} {{else}} - {{/if}}

Expected retirement age

{{if aip_borrowing_details['retirementAge']!=""}} {{= aip_borrowing_details['retirementAge']}} {{else}} - {{/if}}

Expected retirement age - joint applicant

{{if aip_borrowing_details['jointApplicantAgeOfRetirement']!=""}} {{= aip_borrowing_details['jointApplicantAgeOfRetirement']}} {{else}} - {{/if}}

Mortgage term - years

{{if aip_borrowing_details['mortgageTerm']!=""}} {{= aip_borrowing_details['mortgageTerm']}} {{else}} - {{/if}}

Mortgage term - months

{{if aip_borrowing_details['mortgagetermmonths']!=""}} {{= aip_borrowing_details['mortgagetermmonths']}} {{else}} - {{/if}}

Edit

Personal details

About {{= aip_personal_details.self.firstName}}

Edit

Title

{{if aip_personal_details.self['title']!=""}} {{= aip_personal_details.self['title']}} {{else}} - {{/if}}

First name

{{if aip_personal_details.self['firstName']!=""}} {{= aip_personal_details.self['firstName']}} {{else}} - {{/if}}

Last name

{{if aip_personal_details.self['lastName']!=""}} {{= aip_personal_details.self['lastName']}} {{else}} - {{/if}}

Date of birth

{{if aip_personal_details.self['dob']!=""}} {{= aip_personal_details.self['dob']}} {{else}} - {{/if}}

Postcode

{{if aip_personal_details.self['address']!=""}} {{= aip_personal_details.self['address']}} {{else}} - {{/if}}

Email address

{{if aip_personal_details.self['emailAddress']!=""}} {{= aip_personal_details.self['emailAddress']}} {{else}} - {{/if}}

Phone number

{{if aip_personal_details.self['telephoneNumber']!=""}} {{= aip_personal_details.self['telephoneNumber']}} {{else}} - {{/if}}

Do you own this home?

{{if aip_personal_details.self['isOwnProperty']!=""}} {{= aip_personal_details.self['isOwnProperty']}} {{else}} - {{/if}}

About {{= aip_personal_details.joint.firstName}}

Edit

Title

{{if aip_personal_details.joint['title']!=""}} {{= aip_personal_details.joint['title']}} {{else}} - {{/if}}

First name

{{if aip_personal_details.joint['firstName']!=""}} {{= aip_personal_details.joint['firstName']}} {{else}} - {{/if}}

Last name

{{if aip_personal_details.joint['lastName']!=""}} {{= aip_personal_details.joint['lastName']}} {{else}} - {{/if}}

Date of birth

{{if aip_personal_details.joint['dob']!=""}} {{= aip_personal_details.joint['dob']}} {{else}} - {{/if}}

Does the second applicant live at the same address?

{{if aip_personal_details.joint['addressSameAsFirst']!=""}} {{= aip_personal_details.joint['addressSameAsFirst']}} {{else}} - {{/if}}

Address

{{if aip_personal_details.joint['address']!=""}} {{= aip_personal_details.joint['address']}} {{else}} - {{/if}}

Email address

{{if aip_personal_details.joint['emailAddress']!=""}} {{= aip_personal_details.joint['emailAddress']}} {{else}} - {{/if}}

Phone number

{{if aip_personal_details.joint['telephoneNumber']!=""}} {{= aip_personal_details.joint['telephoneNumber']}} {{else}} - {{/if}}

Do you own this home?

{{if aip_personal_details.joint['isOwnProperty']!=""}} {{= aip_personal_details.joint['isOwnProperty']}} {{else}} - {{/if}}

Financial details

{{= aip_personal_details.self.firstName}}'s income

Edit

Employment status

{{if aip_income_details.self['employmentDetail']!=""}} {{= aip_income_details.self['employmentDetail']}} {{else}} - {{/if}}

Annual income

{{if aip_income_details.self['grossSalary']!=""}} {{= aip_income_details.self['grossSalary']}} {{else}} - {{/if}}

Do you have any other sources of income?

{{if aip_income_details.self['otherIncome']!=""}} {{= aip_income_details.self['otherIncome']}} {{else}} - {{/if}}

Total income

{{if aip_income_details.self['totalIncome']!=""}} {{= aip_income_details.self['totalIncome']}} {{else}} - {{/if}}

{{= aip_personal_details.joint.firstName}}'s income

Edit

Employment status

{{if aip_income_details.joint['employmentDetail']!=""}} {{= aip_income_details.joint['employmentDetail']}} {{else}} - {{/if}}

Annual income

{{if aip_income_details.joint['grossSalary']!=""}} {{= aip_income_details.joint['grossSalary']}} {{else}} - {{/if}}

Do you have any other sources of income?

{{if aip_income_details.joint['otherIncome']!=""}} {{= aip_income_details.joint['otherIncome']}} {{else}} - {{/if}}

Total income

{{if aip_income_details.joint['totalIncome']!=""}} {{= aip_income_details.joint['totalIncome']}} {{else}} - {{/if}}

{{= aip_personal_details.self.firstName}}'s expenses

Edit

Total credit card balance

{{if aip_outgoings_details.self['revolvingDebt']!=""}} {{= aip_outgoings_details.self['revolvingDebt']}} {{else}} - {{/if}}

Total monthly loan repayments

{{if aip_outgoings_details.self['debtRepayment']!=""}} {{= aip_outgoings_details.self['debtRepayment']}} {{else}} - {{/if}}

Total monthly expenditure

{{if aip_outgoings_details.self['otherExpenditure']!=""}} {{= aip_outgoings_details.self['otherExpenditure']}} {{else}} - {{/if}}

Do you have any dependants?

{{if aip_outgoings_details.self['anyDependents']!=""}} {{= aip_outgoings_details.self['anyDependents']}} {{else}} - {{/if}}

Total number of dependants under 18

{{if aip_outgoings_details.self['dependentsUnderEighteen']!=""}} {{= aip_outgoings_details.self['dependentsUnderEighteen']}} {{else}} - {{/if}}

Total number of dependants over 18

{{if aip_outgoings_details.self['dependentsOverEighteen']!=""}} {{= aip_outgoings_details.self['dependentsOverEighteen']}} {{else}} - {{/if}}

{{= aip_personal_details.joint.firstName}}'s expenses

Edit

Total credit card balance

{{if aip_outgoings_details.joint['revolvingDebt']!=""}} {{= aip_outgoings_details.joint['revolvingDebt']}} {{else}} - {{/if}}

Total monthly loan repayments

{{if aip_outgoings_details.joint['debtRepayment']!=""}} {{= aip_outgoings_details.joint['debtRepayment']}} {{else}} - {{/if}}

Total monthly expenditure

{{if aip_outgoings_details.joint['otherExpenditure']!=""}} {{= aip_outgoings_details.joint['otherExpenditure']}} {{else}} - {{/if}}

{{/if}} {{if aip_outgoings_details.joint['anyDependents']}} {{/if}} {{if aip_outgoings_details.joint['dependentsUnderEighteen']}}

Total number of dependants under 18

{{if aip_outgoings_details.joint['dependentsUnderEighteen']!=""}} {{= aip_outgoings_details.joint['dependentsUnderEighteen']}} {{else}} - {{/if}}

Total number of dependants over 18

{{if aip_outgoings_details.joint['dependentsOverEighteen']!=""}} {{= aip_outgoings_details.joint['dependentsOverEighteen']}} {{else}} - {{/if}}

Your properties

{{if aip_property_details.residential[i].address!=""}} {{= aip_property_details.residential[i].address}} {{else}} - {{/if}}

Edit

Remove

{{else}} - {{/if}}

Edit

Back

Steps completed so far

[#applicant]'s total income

£0

This is the total income you receive

You need to borrow

£0

This is based on the value of the property and your deposit or, if remortgaging, the amount you still owe on the mortgage

with a Loan to Value of

This reflects how much mortgage you have in relation to how much your property is worth

Sorry, but based on the information you have supplied us, we are unable to provide you with a borrowing quote.

You could try entering different values to see how this affects the outcome.

Want to speak to someone?

You can do this in branch or over the phone. Call us on 0800 096 9527. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 096 9527

Or arrange a callback

Representative example

Fixed rate

A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 2.64% and then our variable rate of 4.49% for the remaining 23 years would require 24 monthly payments of £700.56 and 276 monthly payments of £842.35.

The total amount payable would be £250,646.98 made up of the loan amount of £153,732.00 plus interest of £96,914.98. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 4.3% APRC representative.

Your Agreement in Principle

Hi [#applicant],

Thank you for choosing a Shostra Bank mortgage on {{= displayName}}

Great news

You could borrow what you need

Based on what you’ve told us you may be able to borrow up to

Here's your Agreement in Principle

We can't lend you the full amount, but you could borrow up to:

You wanted to borrow

Great news

You could borrow what you need

These results are only an indication for now. The amount we could lend you depends on a few things.

Successfully completing our mortgage application process
Passing a full credit check and meeting our lending criteria
A satisfactory property valuation
Confirmation of the information you've given us

What you've already told us

Number of dependants

Edit

Your selected mortgage

Initial monthly payments

Initial rate

{{= initialRate.value}}%

Product fee

£{{= arrangementFee}}

Features

Legal fees paid

Standard free valuation

{{if options.freeStandardValuation.value =="true" }} {{else options.legalFeesPaid.value=="true"}} {{else}}-{{/if}}

Next steps

Check we've got the right email address for you. We'll send any relevant documents to this address.

Email address

By creating a password, you'll be able to log in and amend your mortgage application at any point. This is optional but we recommend it to save you time in the future.

Password

Show

View mortgages & apply

Representative example

Fixed rate

The overall cost for comparison is 4.3% APRC representative.

Browse and compare mortgages

The mortgages below are personalised to your Agreement in Principle result

The rates you see online are the same as what we'll offer in branch or over the phone.

The rates available are subject to change and you must choose from the rates available on the day you submit your application.

Some of the rates below are only available online and others can be applied for over the phone or via video appointment. Find out more about the differences between applying online or with a mortgage adviser.

The rates available are subject to change and you must choose from the rates available on the day you submit your application.

Borrowing amount

Property value

Mortgage amount owed

Mortgage term

Loan to value

Amend my agreement in principle

Filter

Representative example

Fixed rate

The overall cost for comparison is 4.3% APRC representative.

{{= initialRate.value}}% over {{= initialRate.duration}} years mortgage

Back to products

On this page

Overview

Initial rate and cost

Overview

{{= LTV}}%

Initial rates and costs

Initial rate

{{= initialRate.value}}%

Initial monthly payments

Adding product fee to your mortgage, you could pay {{= mortgageUtil.currency}}{{= incProductFee}}

Initial rate ends

Follow-on rate

Rate after initial period ends

{{= followOnRate}}%

Features

Cashback

{{if options.cashback.value[0]=="true"}} {{= mortgageUtil.currency}}{{= options.cashback.value[1]}} {{else}} - {{/if}}

Overpayments

Early repayment charge

{{= earlyRepaymentCharge[i].value}}% until {{= mortgageUtil.fnFormatDataDetailpage("date",earlyRepaymentCharge[i].endDate)}}

Option to switch to fixed rate

{{if options.canSwitchToFixed.value!="false" }} Yes {{else}} - {{/if}}

Valuation fee

{{if options.freeStandardValuation.value!="false" }} We’ll pay for a valuation of the property to make sure it’s suitable for your loan with us. {{else}} You’ll need to pay for a valuation of the property you’re buying. This is for us to make sure it is suitable for your loan with us. {{/if}}

Legal fees

{{if options.legalFeesPaid.value!="false" }} Legal fees won’t be charged. Exclusions apply. {{else}} You’ll need to pay the legal fees. {{/if}}

Requirements

Minimum loan amount

Minimum deposit

{{= mortgageUtil.fnFormatDataDetailpage("ltv", LTV)}}%

Eligibility

{{/each}} {{else}} - {{/if}} {{else}} - {{/if}}

Ways to apply

{{if apply.type=="olaf" || apply.type=="olo"}} Online {{/if}}

{{if apply.type!="olo"}} Telephone {{/if}}

Next steps

Continue with this mortgage

Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.

Continue

Your mortgage dashboard

You can return to your mortgage dashboard and review the details you've entered at any time.

Your mortgage dashboard

Continue with this mortgage

Next, you'll receive a personalised Mortgage Illustration document, which provides you with the full details of this deal.

Continue

Your mortgage dashboard

You can return to your mortgage dashboard and review the details you've entered at any time.

Your mortgage dashboard

This will be dependant on your financial situation, property value and the size of your deposit or equity.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Representative example

Fixed rate

The overall cost for comparison is 4.3% APRC representative.

Browse and compare mortgages

Compare mortgage details

{{= label}} ({{= initialRate.value}}%)

Overview

{{= LTV}}%

Initial rate and cost

Initial rate

{{= initialRate.value}}%

Initial monthly payments

Adding product fee to your mortgage, you could pay {{= mortgageUtil.currency}}{{= incProductFee}}

Initial rate ends

Follow-on rate

Rate after initial period ends

{{= followOnRate}}%

Features

Cashback

{{if options.cashback.value[0]=="true"}} {{= mortgageUtil.currency}}{{= options.cashback.value[1]}} {{else}} - {{/if}}

Overpayments

Early repayments

{{= earlyRepaymentCharge[i].value}}% until {{= mortgageUtil.fnFormatDataDetailpage("date",earlyRepaymentCharge[i].endDate)}}

Option to switch to fixed rate

{{if options.canSwitchToFixed.value!="false" }} Yes {{else}} - {{/if}}

Valuation fee

Legal fees

{{if options.legalFeesPaid.value!="false" }} Legal fees won’t be charged. Exclusions apply. {{else}} You’ll need to pay the legal fees. {{/if}}

Requirements

Minimum loan amount

Minimum deposit

{{= mortgageUtil.fnFormatDataDetailpage("ltv", LTV)}}%

Eligibility

{{/each}} {{else}} - {{/if}} {{else}} - {{/if}}

Ways to apply

Online
Telephone

Next steps

{{if apply.type=="olaf" || apply.type=="olo" || apply.type=="OLO"}}

Get Mortgage Illustration

Or, get in touch with a mortgage professional

Get in touch with a mortgage professional

Choose different mortgage to compare

Return to the list of mortgages to select and compare mortgages that are right for you.

Choose new deals to compare

Get in touch

Sometimes it's best to talk to an expert. Our friendly mortgage professionals can support you throught the process.

You can get in touch over the phone or visit us in branch.

Talk to a mortgage professional

Choose different mortgages

Return to the list of mortgages to select and compare mortgages that are right for you.

Choose new deals to compare

Save your progress

Click on the link to save your progress

Save your progress

Get in touch

Sometimes it's best to talk to an expert. Our friendly mortgage professionals can support you throught the process.

You can get in touch over the phone or visit us in branch.

Talk to a mortgage professional

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

Important information

This will be dependant on your financial situation, property value and the size of your deposit or equity.
Borrowing amounts greater than £500,000 are subject to additional lending criteria

Representative example

Fixed rate

The overall cost for comparison is 4.3% APRC representative.

Agreement in Principle

[#applicant]'s total income

You need to borrow

with a Loan to Value of

Representative example

Fixed rate

Your Agreement in Principle

Hi [#applicant],

Great news

{{= aipAggUtil._fnReturnBorrowingAmount()}}

{{= mortgageAmount}}

Here's your Agreement in Principle

{{= mortgageAmount}}

{{= aipAggUtil._fnReturnBorrowingAmount()}}

Great news

{{= aipAggUtil._fnReturnBorrowingAmount()}}

Your selected mortgage

{{= label}}

Next steps

Representative example

Fixed rate