Agreement in Principle.

An Agreement in Principle (AIP) is the first step to getting a mortgage. Also known as a Mortgage Promise or a Decision in Principle, it lets you know how much you could borrow before you apply for a mortgage.  

Why get an Agreement in Principle?

As well as letting you know how much you could borrow, you’ll also get an idea of how much you can afford to spend on your new home. That means you can start looking at properties in your price range.

It can also help you to agree a better price with the seller, because it shows you’re a serious buyer who can get a mortgage.

  • It only takes about 15 minutes to complete, and we’ll give you decision straight away
  • We’ll ask some questions about you and anyone else who’s applying, including details about your income and spending
  • We’ll only do a soft credit check which won’t affect your credit score

Start Agreement in Principle

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


Buying your first home

From working out your budget to getting the keys to your first home, we’re here to help.

First time buyer


Moving your mortgage to us

Got a mortgage with another lender? You could save money by remortgaging to us.

Remortgage to us


Moving home

We’ll take you step by step through the process of buying your new home.

Moving home