A "decision in principle" (DIP) is only as good as the facts behind it. If details asked for (and also not asked for!), do not fit with a lender's underwriting requirements when a full application is made; then notwithstanding what a DIP says .....it is worthless and won't be honoured!
There is also no such thing as a numerical "credit score". The number that Experian and the likes put out, is how their computer works things out. This may have no relation to the priorities / assessments that a lender may program into their computer when it makes a lending assessment. Additionally, a lot of lenders assess your credit score as "high", "medium" or "low" and the maximum they could lend; depends on the outcome. This is why it is better to get an DIP. The facts behind any DIP need to be quantifiable (backed up by the right paperwork in the right way), as otherwise the decision is invalid.
Furthermore, if facts and figures are changed in any later DIP or application, the banks' fraud prevention systems will identify such discrepancies and usually lead to an automatic decline! These days, there is no such thing as an appeal against "computer says no"!
So, in my long winded way, what I'm saying is the only sure thing is to do the hard work up front; hence why I'm not able to make any kind of recommendation without a proper discussion. Frankly, it's a little bit like asking an internet "doctor" what is wrong with you, rather than having a proper examinination!
Buying a house with a mortgage is the biggest purchase most people make in their lives and I would suggest, it is worth a couple of hours face to face to get it right?
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