Need A Decision In Principle?

When putting an offer on mortgage, an estate agent will usually not accept the offer until a decision in principle has been obtained.

A decision in principle is where a specific mortgage lender has agreed:

'That in principle based on the figures that have been input about your income and the mortgage required, that they will lend the money'.

This therefore requires you to know which lender you want to use...

Each decision in principle (with each different lender) credit scores you and this can leave ‘footprints’ on your credit file. 

Doing many over a short period of time can have the effect of lowering your credit score.  Which can be a problem when you go to make the actual application!

It is therefore important to know who you want to use...

And normally you will want to use the cheapest lender so that you are paying the lowest amount possible to buy the house.

We will help you find the lowest rate mortgage so you are making one decision in principle to the lender right for you.

We will help you to:

  • Find the cheapest mortgage on the market
  • Assess you details against the lender to ensure that it fits their lending criteria
  • Complete the decision in principle for you
  • Email it straight to you (and to the estate agent if you want us to)
  • No cost or obligation beyond completing a short request form

In many circumstances this can be done within just 20-30 minutes.

To get a decision in principle, just fill in your name, email and phone number in the short form below.  We will be in contact as quickly as possible to talk it through with you.

Fill out my online form.


The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Premier Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate taxation advice, estate planning and some forms of mortgages. The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

If you wish to register a complaint, please write to Ladymead House, Pound Lane, Bishops Lydeard, Taunton, TA4 3AY, or telephone 01823 430684.

We charge a fee of £299 which falls due on offer of the mortgage recommended. We may also receive a commission from the lender for placing that business. We do not issue refunds.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567.