Before you scroll through Rightmove, fall in love with "the one," or even book your first viewing… there's one crucial step every first-time buyer needs - and hardly anyone explains it properly.

In this episode of On The Ladder, we're breaking down the Decision in Principle (also known as an Agreement in Principle, Mortgage in Principle, or simply a DIP). This simple document is your very first green light from a lender, proving they're willing - in principle - to lend you money for your new home.

We'll walk you through:

• What a Decision in Principle actually is
• Why you should get one before you start house-hunting
• How a mortgage adviser helps you find the lender that suits your situation
• The truth about credit checks (and why you shouldn't apply for DIPs everywhere online)
• How long a DIP lasts — and what to do if it expires
• Why you should never reveal your full DIP amount to an estate agent
• Whether you can have more than one DIP
• How your DIP becomes a full mortgage application when you find "the one"

By the end of this episode, you'll understand exactly why a DIP is the difference between hoping you can buy a home… and knowing you can.

If you're a first-time buyer, self-employed, on maternity leave, or simply unsure where to start, this episode will give you the clarity and confidence you need to take the next step.

Watch the full episode on YouTube: How to Save for a House Deposit UK | On The Ladder Ep. 1

Follow on Instagram: @the_mortgage_mum