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Decision In Principle


Before applying for a mortgage, and often before making an offer on a property, you’ll need a Decision in Principle (DIP). This is also known as an Agreement in Principle (AIP) or a Lending Certificate. It confirms that lenders would be prepared to lend to you.

Getting a DIP involves a credit check, and getting numerous credit checks can adversely affect your credit score. So if you’d like to know how much we could lend you before getting a DIP, you could use our Mortgage Calculator first.

This is what a Decision in Principle takes into account:

  • Whether you can afford the amount you’re looking to borrow, based on your income and outgoings as well as other factors
  • Your credit score, based on a credit check carried out during the DIP application
  • Our lending criteria so we remain responsible lenders