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Expert mortgage advice to help you find the right deal
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Understand your affordability
See your monthly repayments
Check how much you could borrow
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Be ready with a Mortgage in Principle
- Connect with an FCA-authorised mortgage adviser
- Share your financial details and requirements
- Receive your Mortgage in Principle certificate
What is a Mortgage in Principle?
A Mortgage in Principle (also known as a Decision in Principle or Agreement in Principle) is a statement from a lender indicating how much they would be willing to lend you based on your financial situation. It's not a guaranteed mortgage offer, but it shows sellers and estate agents that you're a serious buyer with the financial backing to purchase a property.
Having a Mortgage in Principle can strengthen your position when making an offer on a property, as it demonstrates to the seller that you have the means to complete the purchase. Most Mortgage in Principle certificates are valid for 60-90 days and involve a soft credit check that won't affect your credit score.
Plan ahead with our mortgage calculators
Use our free mortgage calculators to estimate your monthly payments, work out how much you can borrow, and calculate stamp duty costs. Get instant results to help you plan your property purchase with confidence.
Mortgage Guides & Advice
Expert guides to help you navigate the mortgage process
Mortgage Types Explained: Finding the Right Home Loan for You
Understand all UK mortgage types including fixed rate, variable, tracker and specialist mortgages. Compare features, benefits and costs to find your ideal home loan.
Getting Your Mortgage Approved: A Complete Application Guide
Complete guide to getting your UK mortgage approved. Learn about application requirements, credit checks, affordability assessments and approval tips.
Mortgage Deposit Requirements: How Much You Really Need
Complete guide to UK mortgage deposit requirements. Learn minimum amounts needed, how deposit size affects rates, and strategies to build your deposit faster.
Total Buying Costs: The Complete Financial Picture
Complete breakdown of UK house buying costs beyond your deposit. Discover all fees, taxes, legal costs and hidden expenses to budget accurately for your purchase.
Mortgage Brokers Guide: Do You Need Professional Help?
Complete guide to UK mortgage brokers. Learn what they do, costs involved, pros and cons, and how to choose the right adviser for your mortgage needs.
Government Help to Buy Schemes - Complete Guide & Eligibility
Complete guide to UK government home buying schemes 2025 including Help to Buy, Shared Ownership, Right to Buy and First Homes. Check eligibility and apply.