Agreement in Principle

Get an Agreement in Principle - Three Times Faster

Begin your mortgage journey today by securing an Agreement in Principle (AiP). It's quick and easy - simply start your AiP application online with us, taking just 10-15 minutes of your time.

What’s an Agreement in Principle?

An Agreement in Principle marks the initial stage in securing a mortgage. Also known as a Mortgage Promise or Decision in Principle, it provides a clear picture of your borrowing capacity before you formally apply for a mortgage.

What Information Do I Need to Get an Agreement in Principle?

When seeking an Agreement in Principle, be prepared to provide precise information regarding your income, outgoings, existing credit commitments, and residential addresses for the past three years.

Start Your Agreement in Principle

Ready to take the next step? Fill in the form below and one of our dedicated mortgage advisors will be with you as soon as possible.

Mortgage Details

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.


Why Get an Agreement in Principle?

In addition to estimating your borrowing limit, an AiP helps you to gauge the range of properties within your financial reach. Estate agents frequently request an AiP as it demonstrates your serious intent as a buyer.

Will an Agreement in Principle Impact my Credit Score?

Obtaining an Agreement in Principle won't impact your credit score since it entails only a soft credit check. However, when you proceed to apply for a mortgage, a full credit check will be conducted. While one or two checks generally have minimal impact on your score, multiple inquiries may gradually lower your overall rating.

Can I Get an Agreement in Principle If I’ve Had Money Problems?

Absolutely, obtaining an AiP is still possible even if you've encountered financial challenges in the past. Depending on your specific situation, it might be beneficial to consult with one of our specialist mortgage advisors beforehand. They can offer personalised guidance and tailor a solution to suit your unique financial circumstances.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.