Before applying for a mortgage you may need a Decision in Principle (DIP), sometimes referred to as an Agreement in Principle (AIP). A DIP gives an idea of how much you could borrow from us and many sellers or estate agents ask to see a DIP. A DIP means that Skipton Building Society is, in principle, prepared to make a loan up to the amount shown. It is not a mortgage offer and does not mean that Skipton will make one. A mortgage offer is subject to full application, valuation and meeting the Skipton's lending criteria.