Agreement in principle
Last checked UK · illustrative onlyNot a lender or brokerAboutDisclaimer
RLPublished by Rodway Labs — not a mortgage adviser
Published
A lender’s early indication of what it might lend, based on the information you give. It is not an offer and not a guarantee.
An agreement in principle, sometimes called a decision in principle or mortgage promise, usually involves a credit check. Our affordability calculator is not one of these. It is an income-multiple sketch only.
A remortgage can still fail after an agreement in principle, at valuation or on documents.
Definitions are plain English for this site, not the wording in your offer. Last checked 29 September 2026.
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Calculators and articles on Remortgage Lab are illustrative and not personalised financial advice. Always check current lender terms and, where appropriate, speak to an FCA-authorised adviser. England & Northern Ireland focus where tax rules are cited; Scotland and Wales differ.