{"id":577,"date":"2024-04-30T12:08:26","date_gmt":"2024-04-30T11:08:26","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=577"},"modified":"2026-05-27T13:53:34","modified_gmt":"2026-05-27T12:53:34","slug":"mortgage-in-principle","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/","title":{"rendered":"Getting a Mortgage in Principle: what you need to know"},"content":{"rendered":"<div class=\"c-contents js-toggle c-contents--open\" id=\"\" data-toggle-active=\"c-contents--open\">\n    <button class=\"c-contents__header js-toggle-trigger\">\n        <h2 id=\"contents\" class=\"c-contents__title\">Contents<\/h2>\n        <svg class=\"c-icon c-icon--chevron-line-down c-contents__header__chevron\"><use xlink:href=\"#icon-chevron-line-down\"><\/use><\/svg>    <\/button>\n    <div class=\"c-contents__body js-contents-body\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#what-is-a-mortgage-in-principle\" target=\"\" class=\"text-decoration-none c-link\">\nWhat is a Mortgage in Principle?&nbsp;\n<\/a><\/li>\n<li><a href=\"#how-long-does-a-mortgage-in-principle-last\" target=\"\" class=\"text-decoration-none c-link\">\nHow long does a Mortgage in Principle last?&nbsp;\n<\/a><\/li>\n<li><a href=\"#how-long-does-it-take-to-get-a-mortgage-in-principle\" target=\"\" class=\"text-decoration-none c-link\">\nHow long does it take to get a Mortgage in Principle?&nbsp;\n<\/a><\/li>\n<li><a href=\"#mortgage-in-principle-vs-a-full-mortgage-offer\" target=\"\" class=\"text-decoration-none c-link\">\nMortgage in Principle vs a full mortgage offer&nbsp;\n<\/a><\/li>\n<li><a href=\"#why-get-a-mortgage-in-principle\" target=\"\" class=\"text-decoration-none c-link\">\nWhy get a Mortgage in Principle?&nbsp;\n<\/a><\/li>\n<li><a href=\"#will-getting-a-mip-affect-my-credit-score\" target=\"\" class=\"text-decoration-none c-link\">\nWill getting a MIP affect my credit score?&nbsp;\n<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#is-the-process-different-in-scotland\" target=\"\" class=\"text-decoration-none c-link\">\nIs the process different in Scotland?&nbsp;\n<\/a><\/li>\n<li><a href=\"#how-to-get-a-mortgage-in-principle\" target=\"\" class=\"text-decoration-none c-link\">\nHow to get a Mortgage in Principle&nbsp;\n<\/a><\/li>\n<li><a href=\"#does-a-mortgage-in-principle-cost-anything\" target=\"\" class=\"text-decoration-none c-link\">\nDoes a Mortgage in Principle cost anything?&nbsp;\n<\/a><\/li>\n<li><a href=\"#what-could-affect-a-full-mortgage-application\" target=\"\" class=\"text-decoration-none c-link\">\nWhat could affect a full mortgage application?&nbsp;\n<\/a><\/li>\n<li><a href=\"#faqs\" target=\"\" class=\"text-decoration-none c-link\">\nFAQs\n<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        In summary:    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">A Mortgage in Principle is personal to you, and is usually valid for 90 days<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Together with your deposit, it gives\u00a0an indication\u00a0of how much you could borrow<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">It\u2019s\u00a0not a mortgage offer \u2013\u00a0you\u2019ll\u00a0still need to apply for a full mortgage<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Having a Mortgage in Principle could make you feel more confident during your property search. It could also give you more credibility with estate agents and sellers<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Most lenders use a soft credit check, which\u00a0doesn\u2019t\u00a0affect your credit score<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<h2 id=\"what-is-a-mortgage-in-principle\" class=\"wp-block-heading\">What is a Mortgage in Principle?&nbsp;<\/h2>\n\n\n\n<p>A\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\/v2\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage in Principle<\/a>\u00a0&#8211; also known as an Agreement in Principle, Decision in Principle or Mortgage Promise &#8211; is a personalised statement from a lender showing how much they may be willing to lend you, based on the information\u00a0you\u2019ve\u00a0shared so far.\u00a0<\/p>\n\n\n\n<p>It\u2019s&nbsp;not a legal requirement, but many estate agents will ask to see one. Having a MIP can help you understand the price range you can search within and view properties with more confidence.&nbsp;You\u2019re&nbsp;not committing to anything at this stage.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-long-does-a-mortgage-in-principle-last\" class=\"wp-block-heading\">How long does a Mortgage in Principle last?&nbsp;<\/h2>\n\n\n\n<p>Most MIPs are valid for up to 90 days, although this can vary by lender. If your MIP expires,&nbsp;you\u2019ll&nbsp;need to apply again.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-long-does-it-take-to-get-a-mortgage-in-principle\" class=\"wp-block-heading\">How long does it take to get a Mortgage in Principle?&nbsp;<\/h2>\n\n\n\n<p>For most people,\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\/v2\" target=\"_blank\" rel=\"noreferrer noopener\">completing an online Mortgage in Principle application<\/a>\u00a0takes\u00a0around\u00a010 minutes. Once\u00a0submitted, the lender\u2019s decision is usually generated within seconds.\u00a0<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light c-calculator-module--no-content\" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        \n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/05\/NatWest-dark-logo-300x108.png\" alt=\"\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"mortgage-in-principle-vs-a-full-mortgage-offer\" class=\"wp-block-heading\">Mortgage in Principle vs a full mortgage offer&nbsp;<\/h2>\n\n\n\n<h3 id=\"a-mortgage-in-principle-is-a-step-towards-a-mortgage-offer\" class=\"wp-block-heading\">A Mortgage in Principle is a step towards a mortgage offer\u00a0<\/h3>\n\n\n\n<p>When\u00a0you\u2019ve\u00a0found a property and had an offer accepted,\u00a0you\u2019ll\u00a0still need to make a full mortgage application. If you already have a valid Mortgage in Principle, the lender or a\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\" target=\"_blank\" rel=\"noreferrer noopener\">broker<\/a>\u00a0may be able to reuse some of the information\u00a0you\u2019ve\u00a0provided, although\u00a0they\u2019ll\u00a0need to check\u00a0it\u2019s\u00a0still\u00a0accurate.\u00a0<\/p>\n\n\n\n<h3 id=\"a-mortgage-in-principle-is-not-a-guarantee\" class=\"wp-block-heading\">A Mortgage in Principle is not a guarantee\u00a0<\/h3>\n\n\n\n<p>A Mortgage in Principle shows how much a specific lender may be willing to lend, based on the information available at the time. It&nbsp;doesn\u2019t&nbsp;guarantee&nbsp;you\u2019ll&nbsp;receive a mortgage offer.&nbsp;<\/p>\n\n\n\n<p>If\u00a0new information\u00a0comes to light\u00a0during the full application &#8211; or if your circumstances change &#8211; the\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/decision\/\" target=\"_blank\" rel=\"noreferrer noopener\">lender\u2019s decision<\/a>, the amount\u00a0they\u2019ll\u00a0lend, the\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/interest-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">interest rate<\/a>\u00a0or\u00a0the\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/what-is-a-mortgage-term\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage term<\/a>\u00a0could all be affected.\u00a0<\/p>\n\n\n\n<h2 id=\"why-get-a-mortgage-in-principle\" class=\"wp-block-heading\">Why get a Mortgage in Principle?&nbsp;<\/h2>\n\n\n\n<p>Although you\u00a0don\u2019t\u00a0need a Mortgage in Principle to view properties,\u00a0it\u2019s\u00a0a very useful\u00a0document to have and is usually part of the mortgage process once an offer is accepted.\u00a0<\/p>\n\n\n\n<h3 id=\"reassurance-about-affordability\" class=\"wp-block-heading\">Reassurance about affordability&nbsp;<\/h3>\n\n\n\n<p>A Mortgage in Principle gives you a clearer idea of\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">what you could\u00a0afford<\/a>\u00a0and how much a lender may be willing to lend.\u00a0As long as\u00a0there\u2019s\u00a0no major change in your circumstances or wider economic factors, it can provide reassurance ahead of a full mortgage application.\u00a0<\/p>\n\n\n\n<h3 id=\"credibility-with-estate-agents-and-sellers\" class=\"wp-block-heading\">Credibility with estate agents and sellers&nbsp;<\/h3>\n\n\n\n<p>Having a Mortgage in Principle shows that\u00a0you\u2019re\u00a0in a position\u00a0to\u00a0proceed\u00a0and could\u00a0afford the property\u00a0you\u2019re\u00a0interested in. This can help\u00a0you\u00a0secure viewings more quickly, particularly in competitive markets, and reassures sellers that\u00a0you\u2019re\u00a0a serious buyer.\u00a0<\/p>\n\n\n\n<h3 id=\"confidence-earlier-in-your-search\" class=\"wp-block-heading\">Confidence earlier in your search&nbsp;<\/h3>\n\n\n\n<p>With a Mortgage in Principle in place, you can focus on properties within your\u00a0likely budget\u00a0and make decisions with greater confidence.\u00a0<\/p>\n\n\n<figure class=\"c-author-quote c-box\" id=\"block_e174a9417e6843b22ce9c78fe8611610\">\n    <blockquote class=\"c-author-quote__quote\">\n        <p>A Mortgage in Principle can be useful whether you\u2019re a first\u2011time buyer or you\u2019ve owned a home before, and whether you\u2019re buying on your own, or with someone else.<\/p>\n<p>It gives you a clearer idea of what you could afford, and shows estate agents and sellers that you\u2019re serious about moving forward, and in fact, just under three quarters of people we spoke to* (74%) told us they wanted to know what their budget would be before they start searching for their next home. While it\u2019s not a guarantee of a mortgage, having a MIP in place can make searching for and offering on a home feel far more straightforward, and helps you go into the process with confidence.<\/p>\n    <\/blockquote>\n     \n    <figcaption class=\"c-author-quote__author\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/02\/Matt_Smith_headshot-300x300.png\" alt=\"Matt Smith\" class=\"c-c-author-quote__author__img\">\n                <div class=\"c-author-quote__author__info\">\n            <strong>Matt Smith<\/strong>,<br \/>\n            Rightmove Mortgages Expert         <\/div>\n    <\/figcaption>\n<\/figure>\n\n\n<p><em>*Rightmove&#8217;s research panel &#8211; Living Room, survey of 986 users, including homeowners with a mortgage and future first-time buyers, June 2025&nbsp;<\/em><\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"my-5 c-calculator-module c-calculator-module--tall c-calculator-module--layout-1 c-calculator-module--light c-calculator-module--no-content\" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        \n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/05\/NatWest-dark-logo-300x108.png\" alt=\"\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n\n\n\n<h2 id=\"will-getting-a-mip-affect-my-credit-score\" class=\"wp-block-heading\">Will getting a MIP affect my credit score?&nbsp;<\/h2>\n\n\n\n<p>As part of your application, the lender will run a&nbsp;<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit check<\/a>.&nbsp;<\/p>\n\n\n\n<p>Most lenders use a soft credit check for a Mortgage in Principle, which&nbsp;isn\u2019t&nbsp;recorded on your credit file. Some may use a hard check, which does leave a footprint and could affect your credit score if you apply several times in&nbsp;a short period.&nbsp;<\/p>\n\n\n\n<p>When you&nbsp;submit&nbsp;a full mortgage application, any&nbsp;previous&nbsp;soft checks usually become hard checks.&nbsp;It\u2019s&nbsp;always worth checking which approach your chosen lender uses.&nbsp;<\/p>\n\n\n\n<h2 id=\"is-the-process-different-in-scotland\" class=\"wp-block-heading\">Is the process different in Scotland?&nbsp;<\/h2>\n\n\n\n<p>The&nbsp;home\u2011buying&nbsp;process in Scotland is different, and while a MIP still&nbsp;isn\u2019t&nbsp;a legal requirement,&nbsp;it\u2019s&nbsp;often viewed as a stronger&nbsp;indication&nbsp;of your intent to buy.&nbsp;<\/p>\n\n\n\n<h2 id=\"how-to-get-a-mortgage-in-principle\" class=\"wp-block-heading\">How to get a Mortgage in Principle&nbsp;<\/h2>\n\n\n\n<p>You can apply for a Mortgage in Principle directly with a lender or through a mortgage broker. You can also\u00a0<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\/v2\" target=\"_blank\" rel=\"noreferrer noopener\">apply online\u00a0on\u00a0Rightmove<\/a>.\u00a0<\/p>\n\n\n\n<h3 id=\"what-information-will-you-need\" class=\"wp-block-heading\">What information will you need?&nbsp;<\/h3>\n\n\n\n<p>You\u2019ll&nbsp;usually be asked for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Addresses for the last 3 years<\/li>\n\n\n\n<li>Income and outgoings<\/li>\n\n\n\n<li>Employment information<\/li>\n\n\n\n<li>Contact details<\/li>\n\n\n\n<li>Details of any existing credit commitments<\/li>\n<\/ul>\n\n\n\n<p>You may not need to provide documents at this stage, but&nbsp;it\u2019s&nbsp;helpful to have things like payslips or bank statements to hand, so the information you&nbsp;submit&nbsp;is&nbsp;accurate&nbsp;and consistent.&nbsp;<\/p>\n\n\n\n<h2 id=\"does-a-mortgage-in-principle-cost-anything\" class=\"wp-block-heading\">Does a Mortgage in Principle cost anything?&nbsp;<\/h2>\n\n\n\n<p>An online Mortgage in Principle is usually free. Some mortgage brokers may charge a fee\u00a0to use their services, so\u00a0it\u2019s\u00a0best to check before applying.\u00a0<\/p>\n\n\n\n<h2 id=\"what-could-affect-a-full-mortgage-application\" class=\"wp-block-heading\">What could affect a full mortgage application?&nbsp;<\/h2>\n\n\n\n<p>Because a Mortgage in Principle\u00a0isn\u2019t\u00a0a guarantee, a lender\u2019s final decision can be affected by several factors, such as:\u00a0<\/p>\n\n\n\n<h3 id=\"changes-to-your-circumstances\" class=\"wp-block-heading\">Changes to your circumstances&nbsp;<\/h3>\n\n\n\n<p>Changes to your income, spending, employment, family\u00a0situation\u00a0or financial commitments could affect <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\">how much you can borrow<\/a> &#8211; or whether a lender is willing to lend at all.\u00a0<\/p>\n\n\n\n<h3 id=\"information-not-matching-supporting-documents\" class=\"wp-block-heading\">Information not matching supporting documents&nbsp;<\/h3>\n\n\n\n<p>If the information provided in your Mortgage in Principle application doesn\u2019t\u00a0align with documents checked later, the lender may change their decision, adjust the loan\u00a0amount\u00a0or decline the application.\u00a0<\/p>\n\n\n\n<h3 id=\"the-property-itself\" class=\"wp-block-heading\">The property itself&nbsp;<\/h3>\n\n\n\n<p>Even if your circumstances&nbsp;haven\u2019t&nbsp;changed, lenders have their own criteria about which properties&nbsp;they\u2019ll&nbsp;lend on. This could include restrictions on&nbsp;new\u2011build&nbsp;developments, unusual construction types,&nbsp;short leases,&nbsp;or properties with higher risks such as flooding or subsidence.&nbsp;<\/p>\n\n\n\n<h3 id=\"reapplying-after-your-mortgage-in-principle-expires\" class=\"wp-block-heading\">Reapplying after your Mortgage in Principle expires\u00a0<\/h3>\n\n\n\n<p>If your MIP expires and you apply again, you may receive a different result &#8211; even if nothing has changed &#8211; due to updates in the lender\u2019s policies or risk criteria.\u00a0<\/p>\n\n\n\n<h2 id=\"faqs\" class=\"wp-block-heading\">FAQs<\/h2>\n\n\n<ul class=\"c-faqs\" id=\"\">\n            <li class=\"c-faqs__item\">\n            <h3 id=\"do-i-need-a-mortgage-in-principle-before-attending-a-house-viewing\" class=\"c-faqs__question\">Do I need a Mortgage in Principle before attending a house viewing? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW148000478 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW148000478 BCX0\">No. You\u00a0<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">don\u2019t<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">\u00a0need a Mortgage in Principle to book viewings. However, having one can help you understand your budget and may make estate agents more confident that\u00a0<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">\u00a0<\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW148000478 BCX0\">in a position<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">\u00a0to\u00a0<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">proceed<\/span><span class=\"NormalTextRun SCXW148000478 BCX0\">.<\/span><\/span><span class=\"EOP SCXW148000478 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-make-an-offer-on-a-property-without-a-mortgage-in-principle\" class=\"c-faqs__question\">Can I make an offer on a property without a Mortgage in Principle? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW27363901 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW27363901 BCX0\">Yes, you can. But many estate agents and sellers prefer buyers to have a Mortgage in Principle in place, as it shows <\/span><span class=\"NormalTextRun SCXW27363901 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun SCXW27363901 BCX0\">\u00a0likely to be able to secure a mortgage if your offer is accepted.<\/span><\/span><span class=\"EOP SCXW27363901 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-happens-if-my-circumstances-change-after-i-get-a-mip\" class=\"c-faqs__question\">What happens if my circumstances change after I get a MIP? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW24469778 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW24469778 BCX0\">If your income, spending, job, or personal situation changes, this could affect the outcome of your full mortgage application.\u00a0<\/span><span class=\"NormalTextRun SCXW24469778 BCX0\">It\u2019s<\/span><span class=\"NormalTextRun SCXW24469778 BCX0\">\u00a0important to let your lender or broker know about any changes as early as possible.<\/span><\/span><span class=\"EOP SCXW24469778 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"does-a-mortgage-in-principle-lock-me-into-a-lender\" class=\"c-faqs__question\">Does a Mortgage in Principle lock me into a lender? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW232144916 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW232144916 BCX0\">No. A Mortgage in Principle\u00a0<\/span><span class=\"NormalTextRun SCXW232144916 BCX0\">doesn\u2019t<\/span><span class=\"NormalTextRun SCXW232144916 BCX0\">\u00a0commit you to taking out a mortgage with that lender.\u00a0<\/span><span class=\"NormalTextRun SCXW232144916 BCX0\">You\u2019re<\/span><span class=\"NormalTextRun SCXW232144916 BCX0\">\u00a0free to compare options or use a different lender when you apply for a full mortgage.<\/span><\/span><span class=\"EOP SCXW232144916 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"can-i-use-the-same-mortgage-in-principle-for-different-properties\" class=\"c-faqs__question\">Can I use the same Mortgage in Principle for different properties? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW124836933 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW124836933 BCX0\">Yes.\u00a0<\/span><span class=\"NormalTextRun AdvancedProofingIssueV2Themed SCXW124836933 BCX0\">As long as<\/span><span class=\"NormalTextRun SCXW124836933 BCX0\"> your Mortgage in Principle is still valid, you can use it while viewing and offering on different properties. You <\/span><span class=\"NormalTextRun SCXW124836933 BCX0\">don\u2019t<\/span><span class=\"NormalTextRun SCXW124836933 BCX0\">\u00a0need a new one for every home\u00a0<\/span><span class=\"NormalTextRun SCXW124836933 BCX0\">you\u2019re<\/span><span class=\"NormalTextRun SCXW124836933 BCX0\">\u00a0interested in.<\/span><\/span><span class=\"EOP SCXW124836933 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"how-long-does-getting-a-mortgage-in-principle-take\" class=\"c-faqs__question\">How long does getting a Mortgage in Principle take? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW206657809 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW206657809 BCX0\">For most applicants, it takes about 10 minutes to fill in the online application<\/span><span class=\"NormalTextRun SCXW206657809 BCX0\">. Once\u00a0<\/span><span class=\"NormalTextRun SCXW206657809 BCX0\">submitted<\/span><span class=\"NormalTextRun SCXW206657809 BCX0\">, the decision from the lender in generated within seconds.<\/span><\/span><span class=\"EOP SCXW206657809 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n            <li class=\"c-faqs__item\">\n            <h3 id=\"what-should-i-do-if-my-mortgage-in-principle-expires\" class=\"c-faqs__question\">What should I do if my Mortgage in Principle expires? <\/h3>\n            <div class=\"c-faqs__answer\">\n                <p><span class=\"TextRun Highlight SCXW234198999 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW234198999 BCX0\">If your Mortgage in Principle expires, <\/span><span class=\"NormalTextRun SCXW234198999 BCX0\">you\u2019ll<\/span><span class=\"NormalTextRun SCXW234198999 BCX0\">\u00a0need to apply for a new one. Even if your circumstances\u00a0<\/span><span class=\"NormalTextRun SCXW234198999 BCX0\">haven\u2019t<\/span><span class=\"NormalTextRun SCXW234198999 BCX0\">\u00a0changed, the result could be different due to updates to a lender\u2019s criteria or policies.<\/span><\/span><span class=\"EOP SCXW234198999 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n            <\/div>\n        <\/li>\n    <\/ul>\n\n\n<div class=\"row mb-5 mt-4 g-4\" id=\"\"><div class=\"col-12 col-lg-6 mb-sm-2 mb-md-0\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"1b086b87b512ef3d1c2bed3346f87a8c\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><p>Work out your home-buying budget<\/p>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><div class=\"col-12 col-lg-6 \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light c-calculator-module--no-content\" \n   data-module-admin-id=\"3386f6ee6b53b840f6c740b65f24bc71\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        \n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2026\/05\/NatWest-dark-logo-300x108.png\" alt=\"\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><\/div>\n\n\n<p><em>Please note: Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a Mortgage in Principle?&nbsp; A\u00a0Mortgage in Principle\u00a0&#8211; also known as an Agreement in Principle, Decision in Principle or Mortgage Promise &#8211; is a personalised statement from a lender showing how much they may be willing to lend you, based on the information\u00a0you\u2019ve\u00a0shared so far.\u00a0 It\u2019s&nbsp;not a legal requirement, but many estate agents will [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1207,"parent":655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":[9895]},"class_list":["post-577","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":["9895"]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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