Take your 1st step to a UK mortgage.

This specialist Charles Louis service is for anyone who is:

A non-British passport holder who is not resident in the UK
A non-British passport holder who is resident in the UK
A British passport holder not resident in the UK ( Expat )

If you are a British citizen, residing in the UK* please contact the Charles Louis mortgage team for mortgage products which could suit your circumstances.

This application in principle (AiP) will tell you how much money you may be able to borrow and at what approximate interest rates and product terms based on your circumstances and the property you want to buy.

This AiP form is for someone who wants to buy a property as an owner occupier or for a buy to let investment or as a second home.

You should have an in principle mortgage decision within 24 hours. This AiP does NOT affect your credit score*.

Useful:

At the bottom of the form there is a ‘Save and Continue Later‘ button. Click the button and save the secret link to continue your application later. A copy of your completed form will be emailed to you.
Do not refresh this page when you are completing the form, otherwise you will lose your information.

Ready? Let’s go!

Mortgage agreement in principle questionnaire.

"(Required)" indicates required fields

Before we start...

This agreement in principle form is for:
- Non-British passport holders who are not resident in the UK
- Non-British passport holders who are resident in the UK
- British passport holders not resident in the UK

This agreement in principle form is NOT for British passport holders who are resident in the UK.

If you are a British citizen and a UK resident and you do want advice on obtaining a mortgage, please contact Charles Louis mortgage advice team directly by calling 0161 959 0166 or emailing info@charleslouis.co.uk

British passport holder and UK resident?(Required)

This application in principle form is only for people who are NOT....British passport holders who are UK residents.

Sorry, unfortunately if you are a British citizen who is resident in the UK, this mortgage in principle application form is NOT for you.

If you are a British citizen and a UK resident and you do want advice on obtaining a mortgage, please contact Charles Louis mortgage advice team directly by calling 0161 959 0166 or emailing info@charleslouis.co.uk

What is your employment status?(Required)

Are you an employee? Self employed? or other?

IMPORTANT! If you wish to continue with the form, remember if you have no regular income, it is very unlikely you will be able to get a mortgage.

IMPORTANT! Unless you use an internationally recognised firm of accountants to certify your annual self-employment accounts, such as KPMG or Deloitte, it is very unlikely you will be able to get a mortgage.

We suggest you only complete this form if you have 3 years certified accounts from an internationally recognised accounting firm.

IMPORTANT! If you are employed, but you also have self-employed income, unless you use an internationally recognised firm of accountants to certify your annual self-employment accounts, such as KPMG or Deloitte.

It is very unlikely your self-employed income will be counted as part of overall income.

IMPORTANT! If you are employed, but you own more than 25% of the company which employs you, you are considered as self-employed by UK lenders.

Unless you use an internationally recognised firm of accountants to certify your annual accounts, such as KPMG or Deloitte, it is very unlikely your income will be counted in assessing your agreement in principle.

Do you own the home you live in?(Required)

Do you own the home you live in? Whether you own your main residence or not does not necessarily affect the mortgage agreement in principle.

Buying through a limited company or as an individual?(Required)

Mortgage lenders will base their lending decisions on the creditworthiness of the shareholders in a company.

If you're not sure whether to buy through a limited company or not, you may as well complete the mortgage application in principle form as an individual to see what you can borrow and from whom.

Buying with a limited company: details

Have you set up your company yet?(Required)

Have you set up the UK limited company or overseas corporate entity that you will use for purchasing property?

IMPORTANT! UK mortgage lenders assess a company's ability to borrow money based on the creditworthiness of each individual shareholder.

Unfortunately, if you wish to borrow money for a property purchase through a company, banks will demand every shareholder completes an agreement in principle form.

No limited company or corporate entity set up yet for my property purchase

If you have NOT set up your company, we suggest you start planning your company incorporation and decide who the shareholders are.

All shareholders will need to complete an agreement in principle form.

If you have 2 or more future shareholders in your company, please ask them to:
- Complete this agreement in principle form
- Provide the future shareholder names so we can combine your application with theirs

We can only submit your agreement in principle application form once we have ALL the completed forms from ALL your future shareholders.

We appreciate this could be a lot of administration if there are a large number of shareholders, but unfortunately UK lending banks in demand an agreement in principle application from every single shareholder.

For the company you intend to set up, how many shareholders will your company have?(Required)

If you are the only future shareholder, please continue completing this form.

We need the names of the other shareholders in your future company.

We will group your agreement in principle forms together when submitting them to potential mortgage lenders.

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

9 or more shareholders(Required)

If you have 9 or more shareholders, can you list each of the shareholder names below?

Limited company or corporate entity for my property purchase

All shareholders will need to complete an agreement in principle form.

If you have 2 or more future shareholders in your company, please ask them to:
- Complete this agreement in principle form
- Provide the company details and shareholder names so we can combine your application with theirs

We can only submit your agreement in principle application form once we have ALL the completed forms from ALL your future shareholders.

We appreciate this could be a lot of administration if there are a large number of shareholders, but unfortunately UK lending banks in demand an agreement in principle application from every single company shareholder.

What is the registered company name?(Required)

What is the company registration number?(Required)

What country is the company registered in?(Required)

How many shareholders does your company have?(Required)

If you are the only shareholder, please continue completing the form.

We need the names of all the other shareholders in your company. We will group your agreement in principle forms together when submitting them to potential mortgage lenders.

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

Name(Required)

First Middle Last

9 or more shareholders(Required)

If you have 9 or more shareholders, can you list each of the shareholder names below?

Your name, email and telephone number

We need your name and email address to send you a copy of this fact finder and to communicate with you once we have processed this form.

Your full name (as appears on Passport)(Required)

First Middle Last

What is your mail address?(Required)

Mobile telephone number(Required)

What is your full telephone number including international dialling code? For example: 0044 7815 020 323

More about you

What country are you a citizen of/your nationality?(Required)

What country is your passport issued by?

What is your date of birth?(Required)

Marital status(Required)

What is your marital status?

How many dependent children do you have?(Required)

Children who depend on you financially.

What age is your only child?(Required)

What age is your 1st child?(Required)

What age is your 2nd child?(Required)

What age is your 3rd child?(Required)

What age is your 4th child?(Required)

What age is your 5th child?(Required)

What age is your 6th child?(Required)

About you: British passport holder

Date you left the UK and moved overseas(Required)

Approximately when did you leave the UK? i.e. 01 03 2018

Last residential address held in the UK(Required)

What was your last home address?

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Date you moved out of your last residential address held in the UK?(Required)

Approximately when did you move out of your UK home? I.e. 01 05 2017

Your current location

Where you currently live

Which country do you live in?(Required)

Which country do you currently live in?

What is your local currency?(Required)

What is the currency used in the country you currently live? We need this for currency conversion to £ GBP.

When did you move to your home address?(Required)

We need the approximate month and year ie 01/03/2010

If you do not own this property, how much rent do you pay each month?(Required)

How much rent do you pay each month. Please give us this figure in your local currency. Enter a number only i.e. 1203

About your main home which you own

Your property: What was the original purchase price?(Required)

How much did you pay when you bought the property? Use your local currency. Enter the number i.e. 115000

Your property: Current value of the property(Required)

What is the market value of your property? Use your local currency. Enter the number i.e. 192000

Your property: What is the outstanding mortgage?(Required)

How much do you owe to a lender on the property? Use your local currency. Enter the number i.e. 132000

Your property: What is your monthly mortgage repayment?(Required)

How much do you pay to the lending bank each month in mortgage repayments? Use your local currency. Enter the number i.e. 1200

When does your mortgage term end?

When does your mortgage agreement finish? I.e. 21 03 2025

Your employee information

What is your occupation?(Required)

What work do you do? What is your job title if you have one?

Employers name(Required)

What company do you work for?

When did you start working for this company?(Required)

Approximate month and year you started i.e. 01 03 2016

What currency is your salary paid in?(Required)

What is your annual base salary?(Required)

What is your base salary excluding bonuses, overtime and commission. Please give us this figure in your local currency. Enter a number only i.e. 42000

How much in bonuses, overtime, or commission do you receive a year?(Required)

How much extra pay do you receive? Please give us this figure in your local currency. Enter a number only i.e. 12000

Does your employer give you any benefits?

Can you list the main benefits you receive? This could be subsidised lunch, gym membership or a company car.

Approximately how much are these benefits worth each year?(Required)

Can you give an approximate figure as to how much the benefits are worth? Please give us this figure in your local currency. Enter a number only i.e. 2100

Self employed information

This section is for people who are self employed freelancers, company shareholders with more than 25% ownership of a company, or both employed and also registered as self employed.

If your self-employed accounts have been certified by an internationally recognised accounting firm such as KPMG, these accounts may be accepted by the lending banks.

Name of accountancy firm certifying your self employed accounts(Required)

Website of the accounting firm(Required)

How many years accounts do you have?(Required)

Usually lending banks want a minimum of three years certified accounts.

If you have less than 2 years certified accounts, it may be very difficult to find you a mortgage.

Total annual income excluding costs from self-employment(Required)

What is the total average annual income minus costs for the last three years of your self-employment? Please give us this figure in your local currency. Enter a number only i.e. 32000

Not working / No income

If you have no income, it may be very difficult to obtain a mortgage for you.

How much cash savings do you have?(Required)

How much cash do you have in savings? If you have a large amount of cash, landers may take this into account when making an agreement in principle. Please give us this figure in your local currency. Enter a number only i.e. 42000

Retired

If you are retired and have regular pension income, you may be able to obtain a mortgage

What is your pension or retirement income per month?(Required)

How much money do you receive per month? Please give us this figure in your local currency. Enter a number only i.e. 2300

Who provides your pension?(Required)

Please list the pension companies or government agencies who pay your monthly pension.

Personal liabilities

This could be debt including personal loans, outstanding car finance, balances on store cards or credit cards or personal bank overdrafts.

Do you have any personal liabilities?(Required)

This could be personal loans, car finance, store cards, credit cards

Liability No1

This could be personal loans, car finance, store cards, credit cards

Liability No1: What is the total amount owing?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No1: What is your monthly repayment?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No1: When is the monthly repayment made?(Required)

What date is your monthly repyment

Liability No1: Who lent you this money?(Required)

Who is the lender?

Liability No1: Any comments you want to add?

Liability No1: More liabilities?(Required)

Liability No2

This could be personal loans, car finance, store cards, credit cards

Liability No2: What is the total amount owing?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No2: What is your monthly repayment?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No2: When is the monthly repayment made?(Required)

What date is your monthly repyment

Liability No2: Who lent you this money?(Required)

Who is the lender?

Liability No2: Any comments you want to add?

Liability No2: More liabilities?(Required)

Liability No3

This could be personal loans, car finance, store cards, credit cards

Liability No3: What is the total amount owing?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No3: What is your monthly repayment?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No3: When is the monthly repayment made?(Required)

What date is your monthly repyment

Liability No3: Who lent you this money?(Required)

Who is the lender?

Liability No3: Any comments you want to add?

Liability No3: More liabilities?(Required)

Liability No4

This could be personal loans, car finance, store cards, credit cards

Liability No4: What is the total amount owing?

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No4: What is your monthly repayment?

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No4: When is the monthly repayment made?

What date is your monthly repyment

Liability No4: Who lent you this money?

Who is the lender?

Liability No4: Any comments you want to add?

Liability No4: More liabilities?(Required)

Liability No5

This could be personal loans, car finance, store cards, credit cards

Liability No5: What is the total amount owing?

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No5: What is your monthly repayment?

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No5: When is the monthly repayment made?

What date is your monthly repyment

Liability No5: Who lent you this money?

Who is the lender?

Liability No5: Any comments you want to add?

Liability No5: More liabilities?(Required)

Liability No6

This could be personal loans, car finance, store cards, credit cards

Liability No6: What is the total amount owing?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2300

Liability No6: What is your monthly repayment?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 120

Liability No6: When is the monthly repayment made?(Required)

What date is your monthly repyment

Liability No6: Who lent you this money?(Required)

Who is the lender?

Liability No6: Any comments you want to add?

Liability No6: More liabilities?(Required)

Other Liabilities

This could be personal loans, car finance, store cards, credit cards

All other liabilities(Required)

Can you list the total amount owing, the monthly repayment, the date in which the repayment is made and who lent you the money?

Other properties you own

Apart from your main home, we need to know about other properties you own

How many properties do you own in total?(Required)

How many properties do you own?

Your 2nd property

Your 2nd property: Country it is located in(Required)

Which country is your property located in?

Your 2nd property: Type of property(Required)

Is this your main residence or other property?

Your 2nd property: Do you rent this property out?(Required)

Do you rent the property out on a full time basis?

Your 2nd property: What was the original purchase price?(Required)

How much did you pay when you bought the property? Use your local currency. Enter the number i.e. 115000

Your 2nd property: Value of the property(Required)

What is the market value of your property? Use your local currency. Enter the number i.e. 192000

Your 2nd property: How much do you rent the property out for each month?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2200

Your 2nd property: What is the outstanding mortgage?(Required)

How much do you owe to a lender on the property? Use your local currency. Enter the number i.e. 132000

Your 2nd property: What is your monthly mortgage repayment?(Required)

How much do you pay to the lending bank each month in mortgage repayments? Use your local currency. Enter the number i.e. 1200

Your 2nd property: When does your mortgage term end?(Required)

When does your mortgage agreement finish? I.e. 21 03 2025

Your 2nd property: Comments

Your 3rd property

Your 3rd property: Country it is located in(Required)

Which country is your property located in?

Your 3rd property: Type of property(Required)

Is this your second residence or other property?

Your 3rd property: Do you rent this property out?(Required)

Do you rent the property out on a full time basis?

Your 3rd property: How much do you rent the property out for each month?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2200

Your 3rd property: What was the original purchase price?(Required)

How much did you pay when you bought the property? Use your local currency. Enter the number i.e. 115000

Your 3rd property: Value of the property(Required)

What is the market value of your property? Use your local currency. Enter the number i.e. 192000

Your 3rd property: What is the outstanding mortgage?(Required)

How much do you owe to a lender on the property? Use your local currency. Enter the number i.e. 132000

Your 3rd property: What is your monthly mortgage repayment?(Required)

How much do you pay to the lending bank each month in mortgage repayments? Use your local currency. Enter the number i.e. 1200

Your 3rd property: When does your mortgage term end?(Required)

When does your mortgage agreement finish? I.e. 21 03 2025

Your 3rd property: Comments

Your 4th property

Your 4th property: Country it is located in(Required)

Which country is your property located in?

Your 4th property: Type of property(Required)

Is this your main residence or other property?

Your 4th property: Do you rent this property out?(Required)

Do you rent the property out on a full time basis?

Your 4th property: How much do you rent the property out for each month?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 2200

Your 4th property: Value of the property(Required)

What is the market value of your property? Use your local currency. Enter the number i.e. 192000

Your 4th property: What was the original purchase price?(Required)

How much did you pay when you bought the property? Use your local currency. Enter the number i.e. 115000

Your 4th property: What is the outstanding mortgage?(Required)

How much do you owe to a lender on the property? Use your local currency. Enter the number i.e. 132000

Your 4th property: What is your monthly mortgage repayment?(Required)

How much do you pay to the lending bank each month in mortgage repayments? Use your local currency. Enter the number i.e. 1200

Your 4th property: When does your mortgage term end?(Required)

When does your mortgage agreement finish? I.e. 21 03 2025

Your 4th property: Comments

Property portfolio

Portfolio: How many properties are in your portfolio(Required)

How many properties do you currently own?

Portfolio: Where are the properties located?(Required)

Which cities and countries are the properties located?

Portfolio: How much rental income do you receive each month from your portfolio?(Required)

Please give us this figure in your local currency. Enter a number only i.e. 22100

Portfolio: What is the outstanding mortgage debt?(Required)

How much do you owe to lenders on the property portfolio? Use your local currency. Enter the number i.e. 1324600

Portfolio: What is your monthly mortgage repayment for your portfolio?(Required)

How much do you pay to the lending banks each month in mortgage repayments? Use your local currency. Enter the number i.e. 12100

Portfolio: What was the aggregate purchase price?(Required)

We want to calculate total equity remaining within your property portfolio. added up, how much did you pay for your properties? Use your local currency. Enter the number i.e. 1720000

Portfolio: What is the total value of your portfolio?(Required)

Added up, how much is the portfolio worth? Use your local currency. Enter the number i.e. 3235000

The property you want to buy

Purchase price / valuation of the property you want to buy here in the UK(Required)

How much will the property cost? Please give a figure in GBP sterling. I.e. 175000

What loan to value do you want on the property?(Required)

This is the size of the mortgage as a percentage of the total value of the property you want to buy? I.e. 75%

Mortgage amount required(Required)

This is a calculated field. To change the mortgage amount, use a different loan to value percentage figure above.

How do you intend to use the property?(Required)

If you rent the property out, how much will the property rent for per month in £GBP?(Required)

What is the estimated market rent for this property. It is important you give a truthful estimate since the rental value of the property will be assessed by the lending bank if this application goes ahead.

Property you want to buy: Comments(Required)

Do you have any comments on the property you want to buy?

CL-AiP-ID

Name

This field is for validation purposes and should be left unchanged.

Further information.

- Completing the form should take about 15 minutes. We have done our best to make the form as quick and simple as possible.
- We aim give you a mortgage agreement in principle within 24 hours of your application. However, we are dependent on the administration turnaround of the lending banks.
- This application form will not affect your credit rating. Getting an agreement in principle won’t affect your ability to get loans or credit elsewhere.
- There is no mortgage commitment. You don’t need to choose any particular type of mortgage or a lender.
- You don’t need to upload any documents. For a mortgage agreement in principle, you do not need to give us any documentation. We only need you to answer questions in the form.
- Fill in the form at your own pace. At the bottom of the form there is a ‘Save and Continue Later’ button. Click the button and save the secret link to continue your application later.

Important:

Your AiP is reviewed by Liquid Financial Services (Liquid FS) who are whole of market***. Liquid Financial Services will forward your AiP to the most relevant lenders based on your circumstances. The lenders responses are then communicated back to you once the lenders reply.

You will be told whether you can receive a mortgage in principle. If so, all the relevant mortgage offers will be itemised, including sum which can be borrowed, interest rate, repayment terms and fees.

Liquid Financial Services are the specialist mortgage administration partner to Charles Louis Mortgage Advisers. Liquid FS are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 304133. Registered in England No. 04599220.

A successfully completed AIP isn’t a full guarantee banks will lend to you. If you apply for a mortgage, lenders will base their decision on the details you’ve provided, your circumstances and their lending policies at the time.

**If you have a UK credit profile, lenders may do a credit search on your profile. The search will show on your profile, but this will not affect your credit score. If you do not have a UK credit profile, there will be no credit search.

***A ‘whole of market’ mortgage adviser is usually independent, with no links to any specific mortgage lender. This means mortgage applicants have more product choice than a ‘tied’ lender or group of lenders with a limited product choice.

*Definition of UK resident https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3 (opens new tab)

Frequently asked questions about obtaining a mortgage in agreement for a UK non-resident buy to let mortgage.

What is a mortgage agreement in principle?

A mortgage agreement in principle is a way of finding out how much money you can borrow for a buy to let mortgage in the UK.

This application process does not require a full credit check. The lending banks will rely on the information you submit for them to assess your eligibility for a mortgage.

You’re not committing to obtain a mortgage from any specific bank.

An agreement in principle isn’t a guarantee that a bank will lend to you. If you apply for a mortgage, lending banks will base their decision on the details and documentary evidence you provide at the time of the mortgage application.

Your AiP
Once you have completed your mortgage agreement in principle, we will do our best to give you an agreement in principle decision within 24 hours.

You will receive an email showing the mortgage decision in principle based on the information you have submitted. If you have been offered a mortgage agreement in principle, you will receive an attached certificate showing your mortgage agreement in principle. You will also receive an itemised list of mortgage offers, including the:

Lender
Amount they are willing to lend
Interest rate at which they will lend
Duration of the mortgage
Expected repayments

Note: Information on mortgage offers from lenders will vary.

How long does an Agreement in Principle last?

Assuming there is no change in your income, debts and regular spending, your agreement in principle should be valid for 90 days from date issued.

If your circumstances change and you haven’t yet started a mortgage application form, but you still want a mortgage, we suggest you obtain another agreement in principle in case it affects how much you can borrow.

Please see our privacy policy for information on how we use and protect your data.

Are you looking for
first time mortgage advice?

Receive a call-back from an adviser or call us free on 0161 959 0166

Great advice!

“Our experience of Charles Louis, from start to finish, was fantastic. Zoe seemed to know everything you could possibly need to know about the house (including all the neighbours!) when we first viewed it with her and was very accommodating when we asked for a second viewing the very next day! Our experience up until that point was that we often felt rushed when viewing a property or told to ‘call the office’ if we had a question.

Once we had our offer accepted, I found James to be very responsive and I was never left waiting if I emailed or text across a quick query throughout the process. Having a named person who I could just ring whenever was a massive win and removed much of the stress – I never once had to explain who I was or why I was ringing – it felt like a very personalised service. Having just moved to Ramsbottom we have already recommended them to a few people!”

Robert Cregeen

24h turnaround mortgage AIP form

Take your 1st step to a UK mortgage.

Mortgage agreement in principle questionnaire.

Before we start...

Buying with a limited company: details

No limited company or corporate entity set up yet for my property purchase

Limited company or corporate entity for my property purchase

Your name, email and telephone number

More about you

About you: British passport holder

Your current location

About your main home which you own

Your employee information

Self employed information

Not working / No income

Retired

Personal liabilities

Liability No1

Liability No2

Liability No3

Liability No4

Liability No5

Liability No6

Other Liabilities

Other properties you own

Your 2nd property

Your 3rd property

Your 4th property

Property portfolio

The property you want to buy

Are you looking for
first time mortgage advice?

Great advice!

Reasons to choose Charles Louis

24h turnaround mortgage AIP form

Take your 1st step to a UK mortgage.

Mortgage agreement in principle questionnaire.

Before we start...

Buying with a limited company: details

No limited company or corporate entity set up yet for my property purchase

Limited company or corporate entity for my property purchase

Your name, email and telephone number

More about you

About you: British passport holder

Your current location

About your main home which you own

Your employee information

Self employed information

Not working / No income

Retired

Personal liabilities

Liability No1

Liability No2

Liability No3

Liability No4

Liability No5

Liability No6

Other Liabilities

Other properties you own

Your 2nd property

Your 3rd property

Your 4th property

Property portfolio

The property you want to buy

Are you looking for first time mortgage advice?

Great advice!

Reasons to choose Charles Louis

Are you looking for
first time mortgage advice?