What is the Digital Mortgage Approval in Principle process?

The KBC Digital Mortgage Approval in Principle (“AIP”) journey is an application and decisioning platform focused on Mortgage Application to AIP decision stages. The application can be started, completed and decisioned online, and an immediate decision is provided. If required, an applicant can save the journey, exit and resume at a time that suits.

This provides an application journey with fewer documentation and financial information requirements to receive an AIP compared with the standard mortgage process. To progress to Loan Offer, further supporting documents will be required to be provided, these will be outlined in your AIP letter.

As such, any AIP granted by this process does not constitute a formal loan offer and should not be relied upon to enter into a binding contract or purchase at auction. We reserve the right to cancel or amend this approval at any time at our discretion.

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