Habito Menu 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. Your home-buying journey: What’s next & how Habito can help Get your mortgage in principle Use this to show estate agents you’re a serious buyer. 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. Find a mortgage We’ll find you the best deal out of 20,000 mortgages from 90 lenders. 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. Exchange, complete & get the keys It's time to move in! FAQs What is a mortgage in principle (MIP)? What’s the difference between a mortgage in principle (MIP) and an agreement in principle (AIP)? Do I need a credit check to get an MIP? How reliable is an MIP? Does it guarantee I’ll get a mortgage? How do I get a mortgage in principle? Do I have to get an MIP? How long does it last for? What happens after I get my MIP? Does a mortgage in principle affect your credit score? How reliable is a mortgage in principle? Why would a mortgage in principle be declined? 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 Get started with an MIP Habito Mortgages made easier Trustpilot Rated Excellent based on over 6,000 customer reviews Hey Habito Ltd. is registered in England and Wales (09384953) with address C/O Throgmorton, 4th Floor, Reading Bridge House, George St, Reading, Berkshire RG1 8LS, is authorised and regulated by the Financial Conduct Authority and is on the Financial Services Register (714187). Your home may be repossessed if you do not keep up repayments on your mortgage. Useful links ABOUT HABITO About us FAQs Lenders Terms of use Privacy policy Cookie policy B Corp Certified RESOURCES Mortgage calculator Mortgage comparison Mortgage in principle FOR CUSTOMERS Accessibility Log in Buy to let mortgages Habito Plus Habito One CONTACT Press Careers Help centre Twitter Facebook Instagram LinkedIn