Get an Agreement in Principle Today!
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Why The Mortgage Broker?

As an independent mortgage broker, we work for you, not the banks. Offering impartial advice, our team are focused on finding you the best mortgage rates as well as the right mortgage for your needs.

18,000+

Customers Helped

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How to get the best mortgage rate

  1. 1. Get independent, impartial advice 
  2. 2. Search and compare the market
  3. 3. Provisionally lock in the rate 
Very responsive, great communication, knowledgable, professional and always friendly. Highly recommend!
 3.89% Rates starting from 12,000+ Remortgage Deals
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An agreement in principle (mortgage in principle / decision in principle / offer in principle) is a preliminary decision by the lender that indicates how much they would be willing to lend based on the initial set of facts that we present to them. This means it is not a formal offer and you are not able to complete a purchase or a remortgage with just a decision in principle.

Key Facts:

Indicative quote on what you can borrow
Often a soft foot print on your credit file
Used to understand and illustrate how much you can borrow
Demonstrates the buyer to be a serious buyer and financially capable
Helps speed up the mortgage process when proceeding

Simply contact The Mortgage Broker and one of our specialist advisers will gather the information from you and search all our Lenders criteria. Within a matter of minutes, with the information you have provided, we can understand your affordability and options with getting a mortgage. If desired and/or required by an Estate Agent or Seller, we can run a decision in principle for you there and then.

Our systems at The Mortgage Broker allow us to quickly establish whether or not you can get a decision in principle. In fact, to get an initial indication and acceptance from a lender, we only require the following:

Details of Income
Outgoings and Existing Credit
Deposit Amount

No. As a mortgage broker, we are able to do a soft search on your credit score which will not impact your credit score. Getting an offer in principle can be done without affecting anything as we just need to check your details with credit reference agent.

This is the formal agreement and offer of a mortgage from the lender. This means the lender, following a full fact check of the applicants circumstances, is willing to loan the agreed amount on the designated property.

Key Facts:

Formal binding agreement by way of contractual commitment
Subject to legal processes and property surveys
Full search on credit report has been successfully approved
Thorough assessment of applicants finances has been approved
Illustrates the terms and conditions of the loan
Includes loan amount, interest rate, repayment terms and any other conditions

What Is a Mortgage in Principle

A mortgage broker finds the best possible rate for your exact circumstances.

We search over 96 mortgage lenders

Remortgage 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 no about. Our team work closely with the market everyday, and will search high and low for what you need.

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