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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 accept a mortgage application of you up to a certain amount.
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 your monthly payment might be 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
- The lenders underwriting criteria, so we remain, responsible lenders,
We'll search the thousands of products to ensure the very best mortgage deal for you.
We'll liaise with your lender, solicitor, and surveyor, so you don't have to.
Last, but not least, we'll even take care of all the paperwork.
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