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Mortgage in principle

Answer just a few questions about your income and deposit, then download your MIP certificate. There’s no credit check. And it’s freeee!

Get my Mortgage in Principle

Show sellers you're serious

A mortgage in principle (MIP) is a certificate showing what you can borrow. It shows estate agents and sellers that you’re serious about buying, and in a position to do it.

An MIP adds more credibility to any offers you make, too. That’s because it reassures sellers that you can actually afford the offer you’re making.

Want one? You’re in the right place. Get your MIP in just minutes, for free. No credit check needed.

An example of a Habito Mortgage in Principle document with a date, the customer name and the estimated amount they can borrow (£350000).

Your home-buying journey:

What’s next & how Habito can help

Step 1
Get your mortgage in principle
Use this to show estate agents you’re a serious buyer.
Step 2
Find a property you like and make an offer
When it’s time to buy, you’ll have to make an offer and negotiate on the price.
Step 3
Find a mortgage
We’ll find you the best deal out thousands of mortgages from over 90 lenders.
Step 4
Do the legal work & buying admin
You’ll need to hire a solicitor or conveyancer before you buy. Their job is to do all the legal work you need to buy.
Step 5
Exchange, complete & get the keys
It's time to move in!


Habito can sort your MIP & more

Get a mortgage online for FREE

When you’re ready, Habito’s friendly experts can help you sort your mortgage online. And all for free.

100% impartial advice

We’re independent – not tied to any particular lender. That means we’re free to explore the whole market to find your perfect mortgage and give you unbiased advice.

Exclusive mortgage deals

We get access to mortgages you won’t find anywhere else – not even direct from lenders. That’s right, you’re in the inner circle now.

Get your mortgage in principle in just a few minutes

Get started with an MIP