Your free mortgage consultation in Cambridge can take approximately an hour; within the hour, we take an in-depth look into your personal and financial situation. Once your consultation gets concluded, we will try to turn around an Agreement in Principle within 24-hours. An Agreement in Principle is essential when making an offer on a property, as estate agents and sellers often accept those who already have an AIP than those who haven't. The final step is to submit your mortgage application and wait for a formal mortgage offer. Usually, this will take about 2 -4 weeks - provided the process goes smoothly, and your application is relatively straightforward.