Get an Agreement in Principle

An Agreement in Principle (AIP) is your first step to getting a mortgage. It gives you an idea of how much you can afford to spend on a property, before you make a full mortgage application.

It also shows property sellers and estate agents that we're likely to agree to lend you the money you need, after we've checked your details in more depth.

Before you start

  • It should take around 15 minutes to complete
  • We'll ask you about your income and what you spend each month, so it helps if you have the details ready
  • Applying for an AIP doesn't affect your credit score

Other things to know

It's important to remember that an AIP is not a guarantee that Halifax, a division of Bank of Scotland PLC, will offer you a mortgage. It's an estimate of how much you might be able to borrow if we agree to lend you money to buy a property.

We'll confirm the exact amount you can borrow after you make a full application and we've checked your income and the information you've given us in more detail.

When you apply directly to Halifax, we'll only offer you a choice of Halifax residential first charge mortgages. Any information we provide only covers these mortgages. If you apply through a broker, they may show you Halifax mortgages that we don't offer customers in branch, online or over the phone.

We'll keep all details you give us safe and secure.

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Illustrations / Calculator

Just want to do some sums?

You don't need to apply for an AIP if you just want to find out which properties are in your price range.

Our calculators will help you to try out some different scenarios and get an idea of how much you can comfortably afford to pay each month.