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mortgage in principle
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Find out how much you could borrow in minutes. No credit check, no commitment — just clear, honest mortgage advice from a qualified broker.
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John Everest
Qualified Mortgage Adviser & Founder
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Your mortgage in principle
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1
Answer a few quick questions
Tell us whether you're buying or remortgaging, your employment status, income and deposit. It takes under 3 minutes and there's no credit check.
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Get your indicative borrowing figure
We calculate a realistic borrowing range based on your income and deposit — using the same 5x–6.5x multiples that lenders typically apply.
Instant result 3
Download your branded PDF & book a call
Enter your details to unlock your personalised Mortgage in Principle PDF — then book a free 30-minute call with John to validate your figures and find the best deal.
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Mortgage in Principle
When you find the right property, you need to act. Sellers and estate agents want to know you are serious, and nothing proves that faster than having a mortgage in principle already in hand. At Everest Mortgages, we help buyers across Brighton and the UK secure a mortgage in principle quickly, often on the same day.
We search 1000's of mortgage deals across the whole market, including...
What is a mortgage in principle?
A mortgage in principle (also known as a decision in principle or agreement in principle) is a written estimate from a lender confirming how much they are likely to let you borrow. It is not a formal mortgage offer, but it gives you and the seller confidence that financing is realistic. Estate agents take you far more seriously when you have one, and in a competitive market like Brighton, that can make or break your offer.
Why speed matters
The property market does not wait around. If you have seen a home you love and another buyer is ready to go, the last thing you want is to be stuck waiting days for paperwork. That is exactly why we have built our process around getting things done fast.
We know how frustrating it is to feel like you are losing time while lenders take their time. So we have made it a priority to cut out the unnecessary delays. Once we have your details, we get straight to work. In many cases, we can have your mortgage in principle sorted on the same day you get in touch with us.
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How the process works
Getting a mortgage in principle through Everest Mortgages is simple and straightforward. Here is how it works:
- Get in touch by phone, WhatsApp or through our website. We will have a quick chat about your situation, income, deposit and what you are looking for.
- We do the legwork. As whole-of-market brokers with access to over 100 lenders, we identify the right lender for your circumstances and submit your details.
- You get your mortgage in principle, often within hours. No chasing, no confusion, no sitting around wondering what is happening.
That is it. No jargon, no long waits and no unnecessary back and forth.
Who needs a mortgage in principle?
A mortgage in principle is useful for anyone looking to buy a property, but it is especially important if you are a first time buyer wanting to show sellers you are ready, a self-employed buyer who needs to confirm borrowing power before making an offer, someone buying in a competitive area where speed gives you the edge, or a landlord looking to move quickly on a buy-to-let investment.
Whatever your situation, we will work to your timeline and get things moving as fast as possible.
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Why work with Everest Mortgages?
With 12 years of experience and over 1,000 mortgages arranged, we know what lenders want to see and how to present your application in the best possible light. Every one of our advisers is CeMAP qualified and FCA regulated, so you are in safe hands from the very first conversation.
We are independent, which means we search the whole market on your behalf. We are not tied to any single lender, and we only recommend what is right for you.
If you are ready to get your mortgage in principle sorted quickly, give us a call on 01273 007740 or book a free consultation today. We will take it from there.
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