- Home Purchase, Buy-to-Let’s & Remortgages
- Access 130 Lenders & 25,000+ Solutions
- 2,500+ 5* reviews: UK’s Most Trusted Advisers
- Complex Income and Bad Credit Accepted
Call Us 
0800 0320 316
0800 0320 316Or Book a Free Mortgage Appointment
Fast Mortgage in Principle: 3 Simple Steps
1. Tell us a few basics and your goals
Firstly, tell us what you are looking to do: whether just searching, first time buyer, home mover, landlord or remortgaging we can assess affordability, search UK wide rates and give you advice as required. Or straight to a mortgage in principle assessment, with just details of your income, deposit, property value and timeline. Takes less than 5 minutes and no documents are required.
2. Soft search Mortgage in Principle (AIP/DIP)
We run a soft credit check and see what you can borrow by accessing UK wide leading rates. We will advise on lowest costs and options, along with a Mortgage in Principle certificate. Fast & digital, but you have a dedicate and, experienced mortgage specialist to answer any questions and ensure you understand the market.
3. Get your certificate & next steps
Receive your Mortgage in Principle certificate (valid for 6 months), plus friendly guidance on lenders, products and the path to a full application.
25,000+ Compare UK wide mortgage rates and broker exclusive products 130+ Mortgage Lenders Search with no impact on your credit score
More choice. Better rates.
Why use an Independent Mortgage Broker?
- Access 130+ UK lenders
- Compare 25,000+ mortgage products
- Soft-search mortgage in principle – no credit impact
- FREE digital mortgage in principle certificate
- Evening & Saturday appointments and fast turnaround options available
- Specialist help for first-time buyers, home movers, self-employed, complex income and bad credit
Tailored support for every type of borrower
First Time Buyers: get mortgage ready with clear next steps
Home Movers: secure your MIP and make offers with confidence
Remortgage Clients: avoid higher SVR payments and compare options
Self Employed & Contractors: specialist lenders for complex income
Bad Credit Applicants: CCJs, defaults, missed payments, DMP. Common sense advice
Buy-to-Let Landlords: portfolio, limited company, HMO and holiday let
No Mortgage = No Fee.
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.
Search UK High Street, Specialist and Private Lenders
Get a Decision in Minutes with Trusted Mortgage Advice
Free, no‑obligation advice. Get started today, provide your info, book a free appointment and speak to a 5‑star‑rated adviser so you can shop the market with confidence. Access UK-wide Mortgage Lenders: High Street, Specialist and Private Banks
Request a call backFree, no‑obligation advice. Get started today, provide your info, book a free appointment and speak to a 5‑star‑rated adviser so you can shop the market with confidence.
Ready to get your Mortgage in Principle?
Fast, clear advice. Soft search. No credit impact.
Get My Mortgage in PrincipleAlso known as Agreement in Principle (AIP) or Decision in Principle (DIP)
Different lenders use different names. Whether you call it a Mortgage in Principle, an AIP or a DIP, we can help you get it quickly with a soft search.
Excellent service!! Top notch. Highly recommend. Immediately put me at ease and had my mortgage in principle.
Prefer to talk? Call us now and speak to a qualified broker.
Got us our mortgage offer within a very short period of time fast service amazing. 100% recommended!
Same Day Free Mortgage in Principle
15 Minute Process: No documents required
Get My Mortgage in PrincipleThe mortgage deal came to £300 less monthly than our independent AIPs told us, and we had our mortgage offer within a week of applying.
MIP FAQs
Yes. We can arrange a soft-search MIP quickly (no credit impact) and confirm suitable options for your situation.
A Mortgage in Principle (AIP/DIP) is an initial indication of what a lender may lend based on information provided. It isn’t a formal offer, but it helps you show you’re a serious buyer and can speed up the next steps.
It takes around 15 minutes to do a soft search mortgage in principle without any documentation needed.
Our initial checks use a soft search and won’t impact your credit score. A full credit check only happens later, with your consent and when you are confident to proceed with the right options.
If a more appropriate rate appears before you proceed, we will aim to switch you to it.
Typically: income details, outgoings/credit, and deposit. We’ll confirm exactly what’s needed for your case.
Don’t worry — it happens. We work with specialist lenders and will guide you on the most suitable route while protecting your credit profile.
There is no cost to getting a mortgage in principle. All our advice is free without any obligation to proceed. If you want to proceed with going ahead with a mortgage, we apply a mortgage broker fee but we only charge if you get your suitable mortgage offer. We offer a no mortgage, no fee guarantee. All fees are discussed from the outset.
Mortgage in Principle in 15 Minutes
Get Started
Get My Mortgage in Principle
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.
- FCA-regulated brokers
- Secure, GDPR-protected process
- Finalist: Mortgage Strategy Awards 2025
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