Before you fall for a house, find out how a lender would see you — and exactly what to sort first. We'll tell you honestly whether you're a straightforward case or one where a broker genuinely earns their keep.
🔑 Free · built by a UK chartered surveyor (MRICS) · on the buyer's side
The basics
Combined, if you're buying with someone. Before tax.
What's an AIP, and do I need one?
An Agreement in Principle (AIP, or Decision in Principle) is a lender's early say-so that they'd likely lend you roughly £X. It's usually a quick, soft check that won't dent your credit. Get one before you offer: most agents expect to see it, and it makes your offer visibly stronger — it's one of the biggest factors in the Offer Strength Score tool. An AIP typically lasts 30–90 days.
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Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
This is a rough readiness guide, not a lender's decision or regulated mortgage advice — every lender assesses differently. If a broker would genuinely help, we may earn a referral fee if you go via our link; it never costs you more, and we only suggest it when your situation calls for it.