The first step is getting an Agreement in Principle (AIP). This gives you a clear idea of how much you could borrow and helps put you in a stronger position when looking at properties.

When a lender reviews your application, they’ll look at things like your income, current commitments, credit history, savings, and general spending. This is simply to make sure the mortgage is affordable for you.

By sorting an AIP early, you’ll have peace of mind about your budget and be more attractive to sellers.

If you’d like to explore your options, let’s chat—I’ll guide you through it and help you see what’s possible.