These days an approval in principle means nothing really.
A loan offer is better but I would not rely 100% on it.
To be honest, on some mortgages, you sweat until the mortgage cheque is cashed.
Take all of this on a case by case basis though, strong applications still sail through. If your repayment capacity is strong, job is safe, credit profile clean and your loan to value is low then an AIP will move to a loan offer and onto drawdown fairly quickly. If borderline then it's time to sweat unfortunately.
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