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  • Agreement in Principal only leaves a "soft footprint" (industry term) on your credit record.
    It only shows that you applied for one and does not show whether you were successful or not. It has no impact either way on your credit rating.

    Turning the AIP into a full mortgage application and getting knocked back - that will leave a minus mark on the credit rating.

    So yeah, speak to an IFA and make sure that when you put a mortgage application in it is a dead cert.

  • that will leave a minus mark on the credit rating.

    That somewhat depends on the lender's proprietary scoring methodology - The credit record itself is neutral.

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