KINGDOM MORTGAGES
Speak to an Adviser
Get A Mortgage in Principle
Find out how much you can borrow from over 100 lenders
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Free Expert Mortgage Advice
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No credit checks
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Compare all Major UK Lenders
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Takes under 10 minutes
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All income types considered
Part of the Award Winning Stonebridge Mortgage Network
What's a decision in principle?
Before making an offer on a property you will need a decision in principle (DIP), also known as an agreement in principle (AIP). This confirms the maximum amount you can borrow with a mortgage based on your income and expenditure.
Why use a mortgage broker rather than a bank?
Simple; Mortgage brokers can search and compare all mortgage lenders in one quick phone call. In less than 10 minutes we can let you know the maximum amount you can borrow from over 100 lenders, saving you time and hassle from having to contact every bank separately. Secondly, mortgage brokers are experts in their field and have a wealth of experience dealing with complex income situations and vast lending criteria. Once you've found a property we can then recommend the best mortgage deal to suit your needs. Our service is completely FREE and impartial from start to finish.
How much can I borrow?
Every lender uses different income multiples and affordability models. Each lender also treats individual income types, such as bonus, commission or self employed income differently, so the maximum loan available can vary massively between lenders. As a general rule, most lenders will lend a maximum of 4.5 - 4.75 times income, but some lenders can go to 5.5 times income or higher in certain circumstances. However, monthly credit commitments and regular outgoings may impact this. It's always best to speak with a qualified broker first, who can quickly let you understand your borrowing potential.
What information do I need to provide?
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Details of all income received
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Total balances of any credit cards that will remain
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Monthly payments for any loans or HP agreements that will remain
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Monthly child care costs or school fees
Does it guarantee I'll get a mortgage?
A decision in principle doesn't guarantee you will get a mortgage, but it gives you a good idea of the maximum amount you can borrow so you can confidently make an offer on a property. The final mortgage approval will be subject to the property you're buying, deposit, income checks and credit status.
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How does it work?
Complete the form so we can understand your income and committed expenditure.
We will search and compare the maximum loan available from over 100 Mortgage lenders.
An expert mortgage adviser will call you back to discuss the maximum loan available, the types of mortgage rates and monthly costs, and answer any general questions you may have.
Lastly, your adviser will email you a Decision In Principle which you can show an estate agent when you make an offer.
Once your offer has been accepted, contact your adviser who will be able to search the market for the best mortgage deal and assist with your application right through to completion. There's never any obligation and we never charge any broker fees.
Stacey Bailey:
"Very professional and considered service. Efficient and friendly. Highly recommend"
Clare Brown:
"Great experience using Kingdom Mortgages. Very helpful and knowledgeable throughout the whole process. I highly recommend and will be using again. Thank you."
Joel Pearce:
"Fantastic service. Made getting a mortgage simple and stress-free. Can't recommend enough."
Call: 0800 161 3868
For a personal assessment of your situation, please complete the form and an expert adviser will call you to discuss:
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No obligation fee free advice
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Access to the whole of the market
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Exclusive deals not found on the high street
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Recommendations based on your needs
YOUR HOUSE MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home.
We do not charge a fee for mortgage advice, but commission will be received from the lender once the mortgage completes.
Kingdom Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Registered Office: Kingdom Mortgages Ltd, Station Road Workshops, Station Road, Kingswood, Bristol, BS15 4PJ. Registered Company Number: 07201271 Registered in England & Wales.