Free AIP · 24-Hour Turnaround

Get a free Agreement in Principle in 24 hours

Estate agents won't take your offer seriously without one. We check 90+ lenders and get you a written AIP within 24 hours — so you're ready when you find the right property.

No credit score impactValid 90 days90+ lendersFree — no obligation
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Apply for your free AIP

Step 1 of 2 — Your details

What is an Agreement in Principle?

An Agreement in Principle (AIP) is a written confirmation from a mortgage lender stating how much they would be willing to lend you. It is based on a review of your income, outgoings, and credit profile — but it is not a full mortgage offer.

An AIP is essential for house hunters because estate agents use it to vet buyers. When you make an offer on a property, the seller wants to know you can actually get a mortgage. An AIP proves that a lender has already assessed your finances and is prepared to lend. Without one, your offer is likely to be deprioritised — or rejected outright — in favour of buyers who have one.

Getting an AIP first also helps you understand your budget. There is no point viewing properties at £500,000 if lenders will only offer you £350,000. We search 90+ lenders to find the maximum you can borrow while ensuring the repayments are comfortable — so you house-hunt with confidence, not guesswork.

Why get your AIP from us?

Most buyers go straight to their bank. Here's why that's a mistake.

24-hour turnaround

Most banks take 3–5 working days. We get your AIP within 24 hours of your initial consultation — often the same day.

Soft credit check only

Your AIP uses a soft credit search that is invisible to other lenders. Your credit score stays untouched until you submit your full application.

Valid for 90 days

Your AIP remains valid for 60–90 days depending on the lender. If it expires before you find a property, we renew it for free in minutes.

Whole-of-market search

Your bank only checks its own criteria. We check 90+ lenders and match you to the one most likely to offer the best rate for your circumstances.

Expert guidance

We assess your situation before applying — so you get matched to the right lender first time. No wasted applications, no unnecessary credit searches.

Completely free

Initial advice and your AIP cost nothing. We are paid by the lender on completion — no upfront fees, no hidden charges, no obligation to proceed.

How to get your free AIP — step by step

The entire process takes around 20 minutes of your time. We handle everything else.

01

Tell us about your situation

Call us on 0844 884 9748 or fill in the form above. We ask about your income, employment, deposit, and what you are looking to buy. This takes around 20 minutes and can be done by phone, video call, or online.

02

We search 90+ lenders

We analyse your circumstances and identify which lenders are most likely to approve your application at the best rate. Unlike a bank, we are not limited to one set of products — we search the whole market.

03

We submit your AIP application

We apply to the most suitable lender using a soft credit check. This is invisible to other lenders and has no effect on your credit score. The lender confirms how much they are prepared to lend you.

04

Receive your AIP certificate

Within 24 hours you receive a written Agreement in Principle confirming your borrowing capacity. You can show this to estate agents when making offers — proving you are a serious, mortgage-ready buyer.

AIP vs full mortgage application

Agreement in Principle

  • Confirms how much you can borrow
  • Soft credit check — no score impact
  • Takes 24 hours or less
  • No documents needed upfront
  • Valid for 60–90 days
  • Free and no obligation
  • Use it to make offers on properties

Full mortgage application

  • →Formal application for a specific property
  • →Hard credit check — visible on your file
  • →Takes 2–6 weeks to complete
  • →Requires payslips, bank statements, ID
  • →Lender arranges a property valuation
  • →Results in a binding mortgage offer
  • →Submitted after your offer is accepted

The AIP comes first — get one now so you are ready when you find the right property. The full application comes later, and we handle it for you.

Agreement in Principle FAQs

What is an Agreement in Principle?
An Agreement in Principle (AIP) — also called a mortgage in principle or decision in principle — is a written statement from a lender confirming how much they would be willing to lend you, subject to a full application and property valuation. It is not a guarantee of a mortgage offer, but it shows sellers and estate agents that you are a serious, financially qualified buyer.
Does an AIP affect my credit score?
Not when you apply through us. We use lenders that perform a soft credit check for the AIP, which is not visible to other lenders and has zero impact on your credit score. A hard credit search only happens later when you submit your full mortgage application.
How long does an AIP last?
Most AIPs are valid for 60–90 days depending on the lender. If yours expires before you find a property, we can quickly renew it at no additional cost. The renewal usually takes just a few minutes.
Is an AIP a guarantee I will get a mortgage?
No. An AIP is conditional — it is based on the information you provide and a soft credit check. The lender will carry out a full assessment (including a hard credit check, income verification, and property valuation) when you submit your full mortgage application. However, if the information you provide is accurate, the vast majority of AIPs convert to full offers.
What documents do I need for an AIP?
For most AIPs you need your full name, date of birth, address history (3 years), employment details, income, monthly outgoings, and details of any existing debts. You do not normally need to provide physical documents at the AIP stage — those come later with the full application.
Can I get an AIP if I am self-employed?
Yes. We regularly arrange AIPs for self-employed clients, contractors, and company directors. We know which lenders are most flexible with self-employed income assessment — whether that is net profit, salary plus dividends, or day-rate annualisation — and match you to the right one before applying.
Do I need an AIP before viewing properties?
You do not legally need one, but we strongly recommend it. Most estate agents will ask whether you have an AIP before accepting an offer, and sellers prefer buyers who have already been financially vetted. Having your AIP ready makes your offer significantly stronger — especially in competitive markets.
What happens after I get my AIP?
Once you have your AIP you can start making offers with confidence. When an offer is accepted, we move to the full mortgage application — we handle all the paperwork, liaise with the lender, and guide you through to mortgage offer and completion. The AIP gives you a head start on this process.

Ready to get your free AIP?

One short call. 90+ lenders searched. AIP certificate within 24 hours. No cost, no obligation.

Get My Free AIPCall 0844 884 9748

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