Last updated: February 2026
A mortgage pre-approval (often called AIP) is a lender's conditional confirmation of how much you can borrow, based on verified income, liabilities, and credit behavior.
A mortgage pre-approval (often called AIP) is a lender's conditional confirmation of how much you can borrow, based on verified income, liabilities, and credit behavior. Speed depends on document readiness, clean liability disclosure, and consented credit bureau checks. This guide explains what banks verify, what triggers rework, and how to structure your application to get a reliable AIP.
AIP sets a conditional eligibility range. It is not final approval, and it can change after valuation or deeper verification. Treat AIP as the correct step to reduce purchase risk.
| Domain | What is checked | Common rework trigger |
|---|---|---|
| Identity/residency | Valid identity and matching names | Mismatch across documents |
| Income quality | Salary/business evidence and consistency | Unclear credits or missing periods |
| Liabilities | Loans, installments, credit cards | Undisclosed facilities |
| Credit behavior | Repayment patterns and obligations | Recent late payments or high utilization |
AIP Readiness Score
Inputs: document completeness, liabilities disclosure, income stability. Outputs: readiness score (0–100), blockers list, and recommended next actions.
Explore our calculatorsWhere credit bureau checks or data sharing are required, use explicit consents and keep a consent receipt (timestamp, version, and scope). This improves transparency and reduces delays.
Consent Bundle + Consent Log
Captures consents for credit bureau pull, data processing, and sharing documents with lenders. Outputs an immutable receipt ID and a downloadable summary.
Explore our calculatorsOnce AIP is available, choose offers using total cost over your expected holding period: fixed-period payment, post-fixed behavior, and fees. Then submit the full case pack for verification and processing.
Blog content is general information. It does not constitute financial advice. Consult a qualified professional before making financial decisions.