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Current BoE base rate 3.75% Inflation (CPI) 2.9% as at Jul 2026 · next review 17 Sep · sources: Bank of England & ONS
Agreement in Principle

Know what you can borrow.

An Agreement in Principle shows how much a lender may be willing to lend, based on your financial circumstances. A confident first step for any serious buyer.

Get your AIP started →
30–90
Days validTypical window before it needs refreshing
Soft
Credit check, oftenMany lenders won't affect your credit score
Not
A formal offerAn indication, not a guarantee to lend
The basics

What is an Agreement in Principle?

An Agreement in Principle (AIP) — sometimes called a Decision in Principle — is an initial assessment from a lender. It's based on your income, existing commitments, deposit and credit profile, and gives you a realistic idea of what you may be able to borrow.

It is not a formal mortgage offer. Think of it as an informed indication that helps you search with confidence and shows sellers you're a serious buyer.

A full mortgage offer is only confirmed once a lender has assessed your complete application and the property itself.
Why bother

Why get one?

✓
Understand your budgetKnow your realistic borrowing potential.
✓
Focus your searchOnly view homes within reach.
✓
Stand out to agentsShow estate agents you mean business.
✓
Spot issues earlyIdentify affordability hurdles up front.
Common questions

Agreement in Principle FAQs.

What happens next

Three simple steps.

STEP 01

An initial conversation

We talk through your circumstances and what you're hoping to buy.

STEP 02

Reviewing your options

We match you with lenders whose criteria suit your profile.

STEP 03

Securing your AIP

We obtain your Agreement in Principle so you can search with confidence.

Take the first confident step.

We'll help you get an Agreement in Principle in place — clearly, quickly and with no obligation.

Start your journey