Get a Mortgage in Principle Today!

Yes. Not only can we get you a Mortgage in Principle, we will ensure it is the best possible rate in the market, the right mortgage for you and we will get you mortgage ready without affecting your credit score.

We can do instant mortgage in principles, or research exactly what you need – the choice is yours!

• Get an Free Instant Mortgage in Principle, and Expert Advice!
• Access to Over 130 Lenders & 25,000 Rates
• Award Winning & Trusted Advice
• Fast, Friendly & Transparent Service 
• Personal Dedicated Service
• Proven Record in Getting it Done 

An mortgage in principle (offer in principle / decision in principle / agreement 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

Then we will switch it to a lower rate.

A mortgage in principle allows you to lock in the best rate there and then but you can still switch to a lower rate if a better rate becomes available.

No.

A mortgage broker can do what is called a “soft foot print” – which means you can get your mortgage information without it affecting your credit score. No full credit search is ever done without understanding your position.

If you’re not 100% sure, the safest way is to ask one of our team – contact form

Don’t worry, this can sometimes happen!

We have helped many customers overcome a declined mortgage application. On occasion, it may actually be in your best interests to try a lender with a lower rate, even though a risk of being declined.  Whatever the reason, we will advise you all the way through, and maintain our support until you get the result you need and we will always have your credit score and finances protected.

Nothing. All our initial advice and access to rates, is free. No matter how many times we speak.

We do charge a fee at The Mortgage Broker, if we go ahead and get your mortgage done for you after that. We do not shy away from our fee structure as we are specialists in what we do and we will save you money. We are already below average in our price, but we spend a lot of time on your case and circumstances, and we know the market inside out, which takes a lot of time and research.

Our service leaves no stone unturned, you get advice from start to finish and you will get a more cost-effective outcome. You also get access to 24/7 Mortgage monitoring, protection specialists and general insurance specialists, which are compulsory products by Mortgage Lenders.

No, is the simple answer. And you may lose out on a better rate that you can’t access yourself.

A broker fee may be applicable, but you will save in money in the long run by getting the right product and advice. Our fee also covers all specialist across protection and insurance. Home insurance is mandatory for a mortgage to complete.

6 months – typically.

You can get mortgage ready before searching for the right home or investment.

Yes. That’s why we are here.

We partner with over 130 lenders, which totals over 25,000 mortgage options. Our service includes specialists across all types of complexities and circumstances. And when it comes to bad credit – please don’t worry. 8.38 million people have missed a bad credit, defaults or debt management plans. Its very normal and we have an extremely empathetic team to help you.

Yes. It makes you a more serious buyer and makes you more competitive in landing the right home.

We only offer advice via real people, with hands on knowledge, who will advise you on your bespoke circumstances.

You get dedicated support from start to finish from a dedicated adviser and our admin support service.

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