If you’re thinking about buying a home — whether you’re a first-time buyer in the UK, moving up the property ladder, or investing — there’s one thing you must do before you start booking viewings: get a Mortgage Agreement in Principle (AIP).
It’s quick, easy, and could be the difference between securing your dream home… or missing out.
đź’¬ What Is a Mortgage Agreement in Principle?
A Mortgage Agreement in Principle (also known as a Decision in Principle or Mortgage Pre-Approval) is a document from a lender that says, based on your current financial situation, they’re likely to lend you a certain amount.
It’s not a full mortgage offer, but it’s a powerful tool that shows you’re ready to buy — and gives you a clear idea of your budget.
âś… Why You Need an AIP Before You Start House Hunting
Here’s why getting an AIP is a game-changer:
- It proves you’re serious – Sellers and estate agents are far more likely to take your offer seriously if you’ve got an AIP in hand.
- It helps you budget smartly – No more guessing. You’ll know exactly what price range to search in.
- It speeds up the process – With your AIP sorted, you can move fast when the right property comes along.
- It avoids nasty surprises – If there’s an issue with your credit score or affordability, you’ll find out early — not when it’s too late.
In today’s competitive market, having a mortgage agreement in principle can give you the edge over other buyers.
🔍 How to Get a Mortgage Agreement in Principle
Getting an AIP is simple — especially when you’ve got the right support.
- Speak to a mortgage broker near you – At My Family Mortgages, we search the market from a wide range of lenders to find the best mortgage deals for your situation.
- Share your details – We’ll ask for your income, expenses, deposit amount, and credit history.
- Soft credit check – Most lenders will run a soft check that won’t affect your credit score.
- Get your AIP – You’ll usually receive it within 24/48 hours, and it’s valid for 60–90 days.
Whether you’re looking for first-time buyer mortgage advice, mortgage deals in the UK, or just want to understand the UK home buying process, we’ve got you covered.
🚀 Ready to Take the First Step?
Don’t wait until you’ve found the perfect home — get your Agreement in Principle sorted now and shop with confidence.
At My Family Mortgages, we make the process simple, friendly, and stress-free. We’ll guide you through every step, from your AIP to getting the keys in your hand.
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Let’s make your home buying journey smooth, secure, and successful.