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Getting
a mortgage and buying a house are usually very much intertwined.
When
you find a house, you'll probably have to move fast to secure it.
To prevent being delayed while sorting out a mortgage you could first get
a "mortgage in principle".
Having one means you should be able get the actual mortgage quicker when the race to buy your chosen home begins.
A
mortgage in principle is a conditional offer made by a mortgage lender that -
provided the information you give them is correct - they will "in principle"
give you the loan you have discussed with them.
Knowing
what you can afford will also help you narrow your search.
It's very useful to have one before you even start looking for a house to give you the edge over any competition.
You can get this offer in writing to show to Estate Agents and sellers who will see you as a serious prospect and not a timewaster who's interested, for example, in looking around peoples' homes for a laugh.
To get a mortgage in principle you have to go through the same motions as an actual mortgage. That is: Consider what type of mortgage do you want and then find a mortgage lender you feel can offer you the best deal.
You could go through the phone book and call each mortgage lender. But the easiest way to do get an offer is to ask a mortgage broker to do it for you. They would also be able to advise you on what type of mortgage could be best for you. (If you want to contact an independent mortgage broker now via us click here).
You should be able to get mortgages in principle offered over the phone. It's only when applying for the actual mortgage that you will need to show proof of your income etc.
To read more on this subject please see the list below or your mortgage guide or your home buying guide
Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below
Interest
only mortgages
Interest repayment
arrangements
Choosing
a Mortgage
Different Mortgage Types
Re
Mortgages
How to Find your Mortgage
Mortgages in Principle
Guide to Buying Home in the UK
Guide to UK Home and Mortgage Insurance
Read more about Types of Mortgages
or
See contents of Full Mortgages Guide
or
See contents of Home Buyers Guide
or
I've read enough for now and want to get a free Quick Mortgage Quote
The
two major varieties:
Repayment
mortgages
Interest
only mortgages
Then
mix in the various:
Interest
repayment arrangements
Finally,
to cover all the different types there's a
Complete
A-Z of mortgages
All UK Mortgage types
100%
Mortgages
Base
Rate Trackers
Bridging
Loans
Bad
Credit Mortgages
Buy to Let
Calculators
for Mortgages
Cashback
Mortgages
Capped
Rate
Costs
of a Mortgage
Current
Account Mortgages
Discounted
Variable Rates
Equity
Release Mortgages
Endowment
Mortgages
Expatriate Mortgages
First
Time Buyer Mortgages
Fixed
Rate Mortgages
Group
Mortgages UK
Interest
Only Mortgages
Investment Mortgages
ISA
Mortgages - UK
Part
and Part Mortgages
Pension
Mortgages
Prime
Mortgages
Repayment
mortgages
Shared
Ownership Mortgages
Standard
Variable rate
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