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Getting your Agreement in Principle...
Submitting your Mortgage Application...
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To find out how much you could borrow, please answer a few questions. This will take about 10 minutes, so let's get started.
You want to buy your first ever home to live in.
You already own your home, but want to buy a new one.
You already have a mortgage, but you’d like to find out about a remortgage with us.
You want to buy a property to let.
You already have mortgage, but you would like to remortgage with us.
I am an existing customer who is planning to buy a property.
Our Agreement in Principle tool uses a soft credit check which is just an initial look at your financial situation. These soft credit searches aren’t visible to other companies, so they won't affect your credit score now or in the future. Only you and the lender can see the results and you can have multiple soft credit searches without worrying about your credit score.
A full credit check is performed when a lender makes a full analysis of your credit history. This type of check will be visible on your credit report so any company will be able to see that you've applied for credit.
If your answer is no to any of the above statements, please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch
Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567
If any of the above statements apply to you then please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
This means that you want to benefit from rental income or future rises in house prices
If you are looking to let out the property, we think you may benefit from getting in touch with one of our mortgage professionals.
With a shared equity mortgage, a lender or the Government under a Government Scheme will agree to give you a loan alongside your main mortgage in return for a share of any profits when you sell your house or repay the loan.
Unfortunately we are not able to offer shared equity mortgages online. Please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
Include your own home and any properties that aren't let to tenants, plus any second residences or holiday homes.
If you own more than 4 residential properties already, please contact one of our mortgage professionals to get your Agreement in Principle.
Include any buy to let and consent to let properties.
If you own more than 3 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle.
If you own more than 2 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle.
For detailed information on how we use, store and share customer information, please see our full privacy notice
Select the magnifying glass to search for your address
Either sole ownership or joint with another person.
To send your Agreement in Principle, we need an email address.
Please enter a mobile number as we may contact you by SMS.
Please enter a different email address to the one given by the first applicant.
Please enter a different mobile number to the one given by the first applicant.
If you are not currently working we think you may benefit from getting in touch with one of our mortgage professionals.
Get in touch with us over the phone or visit us in branch.
If you are fully retired we think you may benefit from getting in touch with one of our mortgage professionals.
If you’ve been self-employed for less than two years, we can’t give you a agreement in principle online.
You can get in touch with us over the phone or visit us in branch
This is your annual basic income. Please add other elements of your income below.
If you are self-employed, please enter your average income before tax over the past two years.
This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.
This is the current outstanding balance on your credit card.
Unsecured loans allow you to borrow money without offering up security based on a major asset, such as your home.
These are any unsecured loans, like a loan to buy a car or holiday.
This is the current monthly payment you make on the loan.
Finally, we need to know about any other monthly fixed payments you have.
Don't worry about listing things like food, drink, clothing, utility bills, entertainment or transport. We'll make an estimate based on what you've told us about your household.
There's no need to include these costs if you've already included them in the loans section
Including any school fees
These charges are annual payments to the freeholder of your property. Don't include these charges if you're moving home and will no longer continue to pay.
These are often charged annually, so please divide correctly to ensure your Agreement in Principle result is correct
This could be mortgage payments and/or general upkeep costs on any additonal properties
Don't include grocery shopping, utility bills, childcare, care for elderly relatives or fuel and travel costs.
This is the expected letting agent fee per month for the property you are looking to buy only. Please do not include any letting agent fees for properties you already own.
Dependants usually live in the home but they could also include students who live away from the home and are fully supported by you.
A dependant is someone you support financially and can be under or over 18.
If the total number of dependents is greater than 10, we recommend getting in touch with one of our mortgage professionals.
You can get in touch over the phone or in branch.
If you are not currently working please get in touch with one of our mortgage professionals.
If you are fully retired please get in touch with one of our mortgage professionals.
If you’ve been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.
This is their annual basic income. Please add other elements of their income below.
If they are self-employed, please enter their average income before tax over the past two years.
This is the current outstanding balance on their credit card.
These are unsecured loans, like a loan to buy a car or a holiday
Finally, we need to know about any other monthly fixed payments.
Please don't input any shared expenses that have already been fully covered in the primary applicant's outgoings.
This could be mortgage payments and/or general upkeep costs on any additional properties
A dependant is someone you support financially and can be under or over 18. If a dependant is shared, please only count them once.
Please give us some detail about the properties that you own.
What is the address of your primary residential property i.e your home?
This could either be a recent valuation, or an estimate based on house price increases since a valuation or local sales similar to this property.
e.g Royal Bank of Scotland
Capital and interest means you pay off part of the capital each month, as well as interest, to ensure the outstanding balance is repaid by the end of the term.
Interest only means you only pay the interest each month, which means at the end of the mortgage you will still owe the full amount you originally borrowed.
Some mortgages have a mix of Interest only and Capital and interest elements. This is known as part and part.
For an interest only mortgage, please provide the outstanding balance. If your mortgage is part and part, please only provide the interest only amount.
If your mortage is capital and interest, this should be zero.
Please provide the total outstanding amount on the mortgage irrespective of the repayment type.
What is the address of the second residential property?
This could either be a recent valuation, or an estimate based on house price increase since a valuation or similar recent local sales
Please provide the total outstanding amount on the mortgage irrespective of the repayment type
We’ll now ask you for more detail about the properties that you own.
What is the address of the third residential property?
What is the address of the fourth residential property?
We’ll now ask you for more detail about the properties that you own. What is the address of your first investment property? Please do not include any commercial investment property.
Call us on 0800 056 0567. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 056 0567
What is the address of your second investment property?
What is the address of your third investment property?
One final check before moving on to your borrowing details.
If you own more than 3 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle. You can do this in branch or over the phone.
If you own more than 2 investment properties already, please contact one of our mortgage advisors to get your Agreement in Principle. You can do this in branch or over the phone.
You've already added [x]
You've already added [x] , This is the maximum number of investments properties you can own to get your Agreement in Principle Online.
If you own more than 4 residential properties already, please contact one of our mortgage advisors to get your Agreement in Principle. You can do this in branch or over the phone.
You've already added [x] , This is the maximum number of residential properties you can own to get your Agreement in Principle Online.
We are only able to accept applications online for properties priced between £25,000 up to £5,000,000. Please contact one of our mortgage professionals.
We are only able to accept applications online for properties valued up to a maximum of £5,000,000. Please contact one of our mortgage professionals.
We are only able to accept applications online for properties valued between £25,000 and £5,000,000. Please contact one of our mortgage professionals.
We are only able to accept applications online from £50,000 up to £5,000,000. Please contact one of our mortgage professionals.
Based off your property price, the deposit does not meet the Loan to Value criteria for an online Agreement in Principle. For a residential purchase, the deposit must be at least 5% of the property price. For a buy to let, it must be at least 25%.Please contact one of our mortgage professionals.
Get in touch over the phone or visit us in branch.
For a buy to let property, your deposit must be at least 25% of the amount of the property purchase value.Please contact one of our mortgage professionals.
Based on your last valuation please enter value of current property.
We are only able to accept applications online for properties valued from £25,000 up to £5,000,000. Please contact one of our mortgage professionals.
With a capital and interest mortgage, you pay back the interest on your mortgage and some of the loan itself. By the end of the mortgage term you will have paid off the entire amount.
With an interest only mortgage, you only pay back the interest on your loan. This means your monthly payments are much lower, but you will still need to pay off the loan at the end of mortgage term.
For a new-build home, we require a deposit that is at least between 15% and 25% of the value of the property.
For a new-build home, we require a deposit of 15% or more than the the property value.
The builders incentive must be less than 5% of the property price.
Our Green mortgage products are here to reward customers who want to buy an energy efficient home. If the home you’re looking at has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
What is an EPC rating?
You can check the EPC Rating of the property you’re interested in at EPC Register in England & Wales or Scottish EPC Register in Scotland.
To get an idea of how much you could be paying each month, we'll need to know your mortgage term (how long you need to pay off your mortgage). Start by telling us when you expect to retire.
Don't worry if you're not sure. Just an estimation will help us work out if you want to borrow into your retirement.
We can’t offer you a mortgage term if it goes into your retirement.
Based on your estimated retirement age, the maximum mortgage term would be term.
This is how long you'll take to pay off your mortgage e.g. 25 years
This is how long you'll take to pay off your mortgage e.g. 2 months
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£0
This is the total income you receive
This is the total income the joint applicant receives
This is the total outstanding credit card balance across all your cards
This is the total monthly repayment across all loans
This is the total fixed monthly expenditure
This is the total outstanding credit card balance
This is the total monthly loan repayments
Residential property 1
Address
Residential property 2
Residential property 3
Residential property 4
Investment property 1
Investment property 2
Investment property 3
This is based on the value of the property and your deposit or, if remortgaging, the amount you still owe on the mortgage
0%
This reflects how much mortgage you have in relation to how much your property is worth
with a mortgage term of
depending on the mortgage deal you choose.
Remember: The longer it takes you to pay off your mortgage, the higher the amount of interests you will pay
Want to speak to someone?
You can do this in branch or over the phone. Call us on 0800 056 0567. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 056 0567
A mortgage of £93,200 payable over 20 years, initially on a fixed rate for 5 years at 2.32% and then our variable rate of 3.59% for the remaining 15 years would require 60 monthly payments of £485.74 and 180 monthly payments of £530.71.
The total amount payable would be £125,923.81 made up of the loan amount of £93,200 plus interest of £32,723.81. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 3.2% APRC representative.
A mortgage of £113,821 payable over 15 years and 2 months, initially on a tracker rate for 2 years at 1.97% below the Royal Bank of Scotland base rate and then our variable rate of 3.59% for the remaining 13 years and 2 months would require 24 monthly payments of £705.78 and 158 monthly payments of £798.04.
The total amount payable would be £144,272.72 made up of the loan amount £113,821 plus interest of £30,451.72. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 3.3% APRC representative.