Frequently Asked Questions
FAQ Topics

Agreement in Principle

When applying for a mortgage an ‘agreement in principle’ (AIP) is an important step in the process. It is also commonly referred to as a ‘mortgage in principle’ or ‘decision in principle.’

An AIP is essentially a conditional statement from a mortgage lender that indicates the amount they are likely to lend you based on an initial assessment of your financial situation. It serves as an indication that the lender is willing to lend you the specified amount, subject to further checks and a full mortgage application.

Getting an AIP is usually one of the first steps when looking to buy a property. It helps you understand how much you might be able to borrow, giving you an idea of your budget and enabling you to search for properties within your price range. It also demonstrates to estate agents and sellers that you are a serious buyer.

To obtain an AIP, you can approach various sources. Typically, you can contact mortgage lenders directly, either online or through their branches, and provide them with basic information about your income, expenses, and credit history. You may also use the services of a mortgage broker who can help you compare offers from different lenders and guide you through the application process.

It’s important to note that an AIP is not a guarantee of a mortgage approval, as the lender will conduct a more thorough assessment during the formal mortgage application process. However, having an AIP can give you confidence when making an offer on a property, as it demonstrates your financial readiness to proceed with the purchase.

Remember, it’s always advisable to seek professional advice from a qualified mortgage advisor or financial expert to ensure you understand the specifics of your situation and make informed decisions.


Choosing a mortgage is an important financial decision and it’s easier with someone who’s on your side. We work as a whole of market mortgage broker so that you get the best possible choice of mortgages.



We are perfectly placed to help you find a buy to let mortgage solution that matches your property needs for individuals, families, investors, landlords and Limited Companies.

buy to let mortgages

We are experienced whole of market brokers who can help you get a great holiday let mortgage.

We can also give you access to exclusive schemes and some specialist lenders who don’t deal direct with borrowers. Loans are available to individuals and SPV’s upto 75% and we can help with Scottish properties, mixed use, multi-lets and Airbnb.

Our holiday let mortgage brokers know the lenders and their lending criteria well, enabling us to guide you to the best holiday let mortgage solutions

holiday to let mortgages

Bridging loans are one of the most useful, multi-purpose, types of lending solutions available. You can get a bridging loan approved on almost any property for almost any reason. Great for auction purchases or snapping up a buy to let bargain.

And we can arrange them really fast.

bridging loans

Development finance is designed to help with the purchase and build costs for a residential development project.

Solutions are available for change of use, ground-up projects, refurbishment or major building work and property extensions.

development loans
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