Santander will make a full credit application (hardprint) when the full mortgage application is filed. “Halifax is the leading lender that offers a credit search with a soft footprint because it gives one of the best indications that you will qualify for a sufficient mortgage without leaving a hard mark on your credit history.” There are many other reasons why a Santander mortgage could in principle be withdrawn or could not necessarily serve as a full guarantee that you will be able to obtain a Santander mortgage. Santander for Intermediaries has announced that it will conduct Soft Footprint credit research if brokers apply for a mortgage on behalf of their clients. Previously, it had left a heavy imprint on credit reports. A Santander mortgage in principle usually takes from a few hours to a few days to get to you once you have applied for one. The bad news is that a rigorous credit review is underway and this means that you may have some damage to your credit file in the scenario that Santander is not able to offer you a Santander mortgage in principle and you have to make another mortgage in principle by another mortgage lender. Give us a complete breakdown that tells us what funds from the general note area in the Internet introductors > full mortgage application if > bid form > settlement are used. Getting a Santander mortgage in principle, does not guarantee that you will receive a fixed mortgage offer. In some cases, Santander may refuse you if you are applying for a fixed offer for Santander, as your circumstances have changed during this period or perhaps the property you want to buy at the end goes beyond the type of property that Santander may be willing to offer, or you may want to offer a larger mortgage and that Santander cannot offer you that the loans are valued on their mortgage products. You have 3 options to launch your Santander mortgage application: you can apply online, by phone (or by video call) or by visiting a store. In any case, proper paperwork will be required, so it`s a little easier to start online and check if you have everything you need. Can you afford the mortgage amount you need to buy your home based on your current income and monthly expenses? This is known as your mortgage.