Agreement in Principle for a mortgage

Take the first step to your mortgage with an AiP

Start an Agreement in Principle (AiP)  to find out quickly if you could borrow the amount you need – without affecting your credit score.

See ‘How will my details be used?’ below to learn why an AiP won’t affect your credit score.

How it works

You can get an AiP online if you’re buying a property or remortgaging your current home – it usually takes about 15 to 30 minutes.

  • Choose how much you want to borrow
  • Tell us about your income and outgoings
  • Get your AiP result straightaway

We might agree, in principle, that we'll lend the amount you asked for or a lower amount, depending on what you've told us about your finances. But you’re not committing to anything at this stage – you're not tied to a particular type of deal if you decide to apply for a mortgage with us. Just remember that an AiP isn't a guarantee we'll lend to you.

Log in to start or resume your AiP

Start a new AiP or resume one you’ve saved previously

I’m new to Barclays

Don’t bank with us? You can still complete an AiP –  you’ll get the result straightaway and we’ll email you a copy of your result.

I use Barclays Online Banking

Log in with your Online Banking details and we’ll fill in some parts of your form to save you time.

I have a Barclays Digital ID

If you’ve started an AiP and saved it by creating a Barclays Digital ID, you can resume it or check the details.

AiP questions and answers

  • How will my details be used?

    We'll ask credit reference agencies (CRAs) to make enquiries about you and provide us with a quotation search. The agencies will check the details you give us against any database they have access to, public or otherwise. The CRAs will keep a record of the quotation search - but this won't affect your credit score.

    Data privacy
    The Barclays Group uses and retains details you give about yourself and others to provide quotes, to manage your account, for research or analysis and to prevent fraud. These details which may include conviction information will be shared with insurers, agents and fraud prevention agencies for these purposes. If we transfer data to an overseas organisation, we will ensure they apply the same level of protection as we are required to apply.  As a reminder, you can read our full privacy policy

  • Will you check my credit file for an AiP?

  • Does an AiP guarantee I’ll get a mortgage?

  • Can I get an AiP if I've had money problems previously?

Need some help?

You can talk to us about our mortgages online, in branch or by phone at a time that suits you.

Talk to us online

Start a web chat if you’d like to ask us a question online.

Call us

Call us1 today. Lines are open all day, every day – except during the Christmas period, when they may be closed at off-peak times.

0800 197 1081

Visit a branch

Contact a branch that offers appointments with one of our expert mortgage advisers.