• Mark Travell

When should you get an Agreement in Principle?

So, what came first? The chicken or the egg?

Honestly, when it comes to that, we have no idea! But, when it comes to buying your first, second or last home, we would suggest you find your mortgage before you find a house.

Now we don’t want to be killjoys, we know how excited you are to get out and start viewing houses. Eventually you’ll find the dream home, the one that really stands out and gives you all the warm and fuzzy feelings when you see it. Imagining long summer days and cozy winter nights happy in your own home.

But, imagine doing all that searching, finding that dream property only to get declined for the mortgage you need to buy it. We want you to enjoy the house buying process from start to finish which is why we always recommend that you get an Agreement in Principle, Decision in Principle or Mortgage in Principle before embarking on your search. If you were wondering if they are all the same thing, then you would be right! So, what are they exactly?

Quite simply, these ‘in principle’ documents are the first steps towards getting your mortgage. They confirm in principle your affordability and agree that you have passed the required credit checks. They aren’t a guarantee of a mortgage but they are definitely a great first step.

Being patient for just a little bit longer until you have confirmation of agreement in principle will give you the peace of mind that when you do go searching for the home that meets your budget, your chances of getting the mortgage amount you need is significantly increased.

Another benefit of getting your in principle agreement before you start searching for your property is that when you do find the home you want to buy, the estate agent and seller will have confidence in your ability to proceed. This will make your offer stand out when compared to those who may make offers without an agreement in principle.

We hope you found this article useful and should you wish to speak with an actual human about your Agreement in Principle, our team would be delighted to speak to you. Just give us a call on 0333 242 3863.

We wish you all the best with your mortgage application.

Written by Mark Travell, Director of Robin Mortgage Design

#AgreementInPrincple #FirstTimeBuyers #MovingHome #MortgageAdvisers


Robin Mortgage may charge a fee for arranging your mortgage, a typical fee would be £395.00 but could be up £1,495.00 depending on your circumstances.

The information in this blog is only valid for the date it is written.

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Not all forms of mortgage lending such as certain Buy to Lets are regulated by the Financial Conduct Authority along with some additional related services, such as Conveyancing. A full disclosure document will be provided to you.

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Robin Mortgage Design charge a broker fee which is only payable on mortgage offer. The precise amount will depend upon your circumstances however a typical fee is £395.00 and the maximum that could be charged is £1,495.00