Agreement in principle (AIP)

Take the first step to your mortgage with an AiP

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

See 'How will the information I provide be used?' below, for more details.

  • Find out quickly if we're able to lend to you without a full credit check
  • Don't bank with us? No problem – you can still get an AiP

How it works

You can get an AiP online if you’re buying a property or remortgaging your current home.

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

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.

Get your AiP

Start a new AiP or resume a saved one – once completed, you’ll get your result straight away.

Want a buy-to-let mortgage? Use our calculator to see how much you could borrow.

  • How will the information I provide 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 privacy policy

    If you save and resume an Agreement in Principle or a mortgage application online, we’ll keep the details you enter for 12 months – just in case you want to return to them.

  • 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?