Get a mortgage in principle

What is a mortgage in principle?

An L&C online mortgage in principle uses our triple filter. This triple filter looks at:

• The lenders criteria
• How much they’re willing to lend
• The products available.

We’ll create a certificate confirming if you can afford the mortgage you want, as well as how much a lender is theoretically willing to lend you and a maximum property value.

It’s not a guarantee you’ll get a mortgage but it’s the first step in your mortgage journey.

Get a mortgage in principle

To get an L&C mortgage in principle you’ll need to provide some basic details about your finances, such as your income, outgoings and any debts.

Getting an L&C mortgage in principle doesn’t mean you have to apply for a mortgage. But if you want to know how much you could borrow, a mortgage in principle is the place to start.

Why check just one lender when we’ll look at 45?

A mortgage in principle directly from a bank will only ever show you what they would lend - whereas we check across the market. We take all the information you give us and use it to check affordability calculators from across the market, including all the high street banks and building societies. Then we carry out our triple filter product and criteria check to make sure you’re getting the right maximum borrowing amount.

We also don’t carry out a credit check, so you know it won’t negatively affect your credit report and/or credit history.

It doesn’t guarantee you’ll get a mortgage, but it will show you which mortgage deals you’re likely to qualify for and saves you time when you’re ready to apply for your mortgage.

We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.