Maybe I'm missing something but to be told I have a decision in principle when all it is is a basic non specific affordability check is fraud. Nothing in life is free and when I was told this and they failed to mention that Santander don't lend on flats above 85% the rate meant nothing. I saw a local broker who showed me all the deals, explained the process, certified my paperwork for lender and solicitor and kept everyone in the loop - £450 well spent with him which is nothing in the grand scheme of buying and far better value than the solicitor costs for his time inputted