Get a mortgage in principle

Because we have access to over 90 lenders, we’re confident of finding a deal that suits your circumstances.

That said, it’s important that you fill out the mortgage in principle honestly, as any problems will show up when the lenders do their eligibility checks. If you’re worried that you have an issue that could hold up the mortgage application, speak to an L&C adviser today.

L&C don’t conduct a credit check when you apply for our mortgage in principle, so it won’t affect your credit score at all.

Simply, a mortgage in principle just means you’ve got proof that lenders might be willing to lend you a certain amount to buy your home. It also shows sellers you’re serious and helps you budget before you start house hunting.

Whilst a mortgage in principle isn’t a mortgage offer, it’s the first step in the mortgage process.

The simplest answer is nothing. A mortgage in principle, agreement in principle and decision in principle are different names for the certificate that shows how much a lender might theoretically be willing to lend you.

Once you fill out our simple online form, we can email you your mortgage in principle certificate within 20 minutes . Sometimes it can take a little longer, but you’ll generally have a mortgage in principle certificate within a day of applying.

Your mortgage in principle usually lasts between 30 and 90 days. We suggest applying for a mortgage in principle before you’ve started looking for properties because it can help you understand your borrowing limits. If it expires, you can ask for it to be renewed, or if your circumstance have changed, you can apply for a new one.