In most cases, there are three possible outcomes for a Decision in Principle: accept, decline and referred. If your AIP has been referred, don't worry. This is not a refusal to lend.
It simply means that the lender needs to take some more time for a closer look at your application, which has been referred to their underwriting department for further manual checks.
What do I need to do?
Sit back, relax and leave it to us. The underwriters may ask more questions or ask for additional documents, which we will supply back to them.