First Time Buyer Mortgages

An Agreement in Principle (AIP), also called a Decision in Principle (DIP), is a statement from a lender indicating how much they’d likely lend you.

Estate agents often ask for one before accepting an offer on a property.We can usually arrange an AIP within the same day or a max of 1–2 working days of receiving key documents. Sometimes faster for straightforward cases.

An AIP does not guarantee a final mortgage offer, it’s based on the information provided and a soft credit check. The full application involves more detailed checks. But it’s a strong indication and shows sellers you’re serious.We do not charge any fee to arrange an AIP. You’re free to change property or lender later if needed.

We search the whole of market and recommend the most suitable mortgage based on your circumstances, not on which lender pays us the most. Our commission rates are similar across lenders, removing any incentive to push you toward a particular product.

Traditional brokers often charge between £300 and £1,000+ for their services. Some charge a percentage of your loan amount. A fee free mortgage broker works differently, we’re paid only by the lender on completion, meaning you keep more money in your pocket for moving costs, furniture, or simply peace of mind.

No. The mortgage rates we access are the same as or sometimes better than, rates available directly. Many lenders offer exclusive broker-only deals with lower interest rates than their direct-to-consumer products.

We can discuss income protection and life insurance policies at anytime. We also offer a range of other relevant protection products as part of our service. These help protect your mortgage repayments and life if your circumstances change.

Yes. We work with clients across England, Scotland, Wales and Northern Ireland. Everything can be done remotely via phone or video call.Have a question not covered here? Contact us with no obligation and no fee. We’re happy to provide advice and point you in the right direction, even if you decide not to use our service.

Timescales vary, but straightforward cases often receive a mortgage offer within 1–3 weeks of application. We’ll give you a realistic estimate based on the lender and your circumstances.

We handle complex cases regularly, self-employed income, tier 2 visa's and unusual properties. Our advice remains fee-free regardless. The only time when you will be referred across to our parent company is if you have adverse credit, these type of applications are far more complex.