How it works
Step 1 – Tell us your goals
Share a few basics about your plans and budget (purchase, remortgage, buy‑to‑let, first‑time buyer, complex income, or credit blips).
Step 2 – Soft‑search MIP (AIP/DIP) – Get Your Certificate
We run a soft credit check and confirm what you could borrow, without affecting your credit score.
Step 3 – Compare options & next steps
We show you options across 130+ lenders, explain fees and criteria in plain English, and help you move forward when you’re ready.
What you will get from an Independent Mortgage Broker
Better choice. Better guidance. Better outcomes.
- A same day Decision in Principle (often 15 minutes once we have your details).
- An AIP/MIP letter you can share with estate agents and sellers.
- Clear, honest advice on suitable products and costs before you proceed.
- Guidance on documents and the smoothest route to a full application.
Excellent service!! Top notch. Highly recommend. Immediately put me at ease and had my mortgage in principle.
No Mortgage = No Fee. At Any Point.
Straight talking advice and smart sourcing across 130+ UK lenders. Check live rates, get a soft search Mortgage in Principle in around 15 minutes and compare options market rates and suitable mortgage solutions.
Prefer to talk? Call us now and speak to a qualified broker.
0800 0320 316We search over 130 mortgage lenders
Rates starting from 3.89%
Our panel of lenders include High Street Banks, to Building Societies and Specialist Lenders that our customers either don’t have access to or even know about. Our team work closely with the market everyday, and will search high and low for what you need.
Request a call backGot us our mortgage offer within a very short period of time fast service amazing. 100% recommended!
Compliance & important information
Your home may be repossessed if you do not keep up repayments on your mortgage.
If consolidating unsecured debts into your mortgage, you may increase the total cost of borrowing.
We provide regulated mortgage advice and will recommend the most suitable option based on your circumstances.
Get my Decision in Principle
Financial Services Verification
The Mortgage Broker provides regulated mortgage and protection advice. We’re verified and supervised under the Financial Services and Markets Act 2000 framework. All advice is delivered by CeMAP-qualified advisers and documented to Consumer Duty standards. The Mortgage Broker is a trading name of The Mortgage Broker (London) Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited who are authorised and regulated by the Financial Conduct Authority. The Mortgage Broker (London) Limited is registered in England and Wales, company number 10763053
No. We use a soft credit search, so getting your Decision in Principle will not affect your credit score.
Most customers receive their Decision in Principle the same day—often in around 15 minutes once we have your details.
Yes. Getting your Decision in Principle with us is free and without obligation. Any fees for later stages are explained clearly before you proceed.
We can start with a few basics like ID, income details and deposit information. You can upload documents securely once you’re ready to proceed.
A Decision in Principle is typically valid for 60–90 days, depending on the lender. If it expires, we can help you refresh it quickly.
No. A Decision in Principle is an initial indication of what you could borrow. A full mortgage offer still requires underwriting, affordability checks and a property valuation.
Yes. A Decision in Principle shows you’re a serious and prepared buyer, which can strengthen your position when making an offer.
Yes. You can start your Decision in Principle online in just a few minutes or speak with an adviser if you prefer.
Apply for a decision in principle today
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