Check Your Eligibility

To qualify, you'll need to meet the following conditions:

  • Regular Income: You (or at least one person if applying jointly) must have a consistent income that's expected to continue.
  • Employment Duration: If employed, you should have been in your role for at least three months.
  • Credit History: Your loan and credit payments should be current.
  • Property Location: You must be buying or remortgaging a UK home where you plan to live.
  • Age and Residency: You should be 18 or older, have the right to reside permanently in the UK, and a 2-year UK address history.
  • Mortgage Type: You should be looking for a repayment mortgage, rather than an interest-only one.

Information Needed

When applying, be ready to provide details like:

  • The loan amount you'd like to request.
  • Any other mortgages you currently have.
  • Your addresses over the past three years.
  • Your primary income, along with any benefits or maintenance payments you receive.
  • Additional earnings, such as bonuses, commission, or dividends.
  • Any ongoing expenses, loans, or credit balances that won't be paid off before starting the new mortgage.
  • Expected future financial commitments after starting the new mortgage.


I've read and understood everything above and I'm ready to start my Agreement in Principle.