Ready to Get Your Mortgage in Principle?
Whether you're just starting your journey or already house-hunting, we can help. Book your free, no-obligation call and get your mortgage in principle sorted today.
Let’s get you mortgage-ready.
DIP / AIP
A Decision in Principle (DIP), also known as an Agreement in Principle (AIP), is a statement from a lender showing how much they could be willing to lend you, based on some basic checks. It’s not a full mortgage offer, but it gives you a strong idea of your borrowing power and shows estate agents and sellers that you’re a serious buyer
Using a broker
A Decision in Principle is the first step towards getting a mortgage. Working with a broker is better than using an online service because we know each lender’s criteria inside out — what counts as income, how bonuses or overtime are treated, and which lenders are most likely to approve your application. We make sure your DIP is realistic, giving you the best chance of a smooth approval when you/we apply for a full mortgage.
Why Get a Mortgage in Principle?
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Strengthen your offer: Estate agents and sellers take you more seriously with an agreement in principle in hand.
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Know your budget: It helps you understand exactly how much you can borrow, so you can search for homes with confidence.
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Spot issues early: It can flag up any credit or affordability issues before you start house-hunting seriously.
How Long Does It Take?
We can usually secure a Mortgage in Principle within 24 hours.
In many cases, it takes even less time when you’re prepared with your documents
Why Use a Broker from Home Sorted for Your Mortgage in Principle?
At Home Sorted, we don’t just get you a figure — we get you the right figure from the right lender. That means:
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No unnecessary credit checks
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Advice based on your real circumstances
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Access to lenders that fit your profile (first-time buyers, self-employed, low deposit, etc.)
We also explain what your agreement means, what it doesn’t guarantee, and how to move forward when you’re ready to make an offer.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
Home Sorted (Home Sorted London Ltd, Company number 09512308) is a trading style of Instant Mortgage Solutions Limited who is authorised and regulated by the Financial Conduct Authority.
FRN 938412 Registered in England & Wales, Company registration No. 12463907. Registered office: 21 Station Parade, Hornchurch, RM12 5AB.