Mortgage In Principle

Mortgage in principle (MIP), agreement in principle (AIP), decision in principle (DIP), different lenders call them different things but they are all the same.


Mortgage In Principle.

A mortgage in principle means as long as our experts have done there job correctly (which they will have) and your chosen property is suitable then there’s a pretty good chance you can get the required mortgage, although it’s not a guarantee!

Some mortgage brokers provide their own mortgage in principle certificate which does not involve any credit checks and is just an affordability assessment so does not take into account your credit history or the lenders criteria.

We prefer to do the groundwork upfront assessing your circumstances, income, outgoings and credit history and applying with a lender who we know from experience are likely to accept your application so you can start house hunting with confidence.

Some lenders will carry out a soft credit check, some a hard credit check as well as affordability and criteria assessments to let you know whether you will be accepted for a mortgage.

Once we have your mortgage in principle accepted we will provide you with a certificate which shows you are serious. Most estate agents will require this as proof that you can buy the property you may be putting an offer in on.

A mortgage in principle is usually valid for 1 month or 3 months depending on the lender but don’t worry if you can’t find a house we will review again and provide you an up to date one when required.


Start your journey to a new house and get a decision today!

First Time Buyers

First home? No problem! We are highly experienced in finding the very best mortgage deals for first time buyers!

Moving Home

Is your home too small? Too big? Too far from work? If it’s time for you to move home, we’re here to help make it easier!

 Switch Mortgage Deal

You could be losing a considerable amount of money by not switching. We actively hunt down the right deal for you!

Buy To Let

We’re also here to help you start or grow  your property portfolio. We can help with every step of the process.

Additional Borrowing

We understand that money can become a bit of a tight squeeze which is why we can help you borrow a little more!