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24h turnaround mortgage AIP form

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*.



  • 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!




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.


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 (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?

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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
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