Acumen Mortgages

Decision in Principle

100% Free Advice

A free impartial mortgage advisory service from start to finish


Making sure you have the choice for you and your family helping to support smart decisions.


Providing you with a face to face meeting or over the phone advice at a time that best suits you as part of our free initial consultation.

Before applying for a mortgage, and often before making an offer on a property, you’ll need a Decision in Principle (DIP). This is also known as an Agreement in Principle (AIP) or a Lending Certificate. It confirms that lenders would be prepared to accept a mortgage application of you up to a certain amount.

Getting a DIP involves a credit check, and getting numerous credit checks can adversely affect your credit score. So if you’d like to know how much your monthly payment might be before getting a DIP, you could use our Mortgage Calculator first.


This is what a Decision in Principle takes into account:

  • Whether you can afford the amount you’re looking to borrow, based on your income and outgoings as well as other factors
  • Your credit score, based on a credit check carried out during the DIP application
  • The lenders underwriting criteria, so we remain, responsible lenders,


    Full Name*


    Date of Birth*

    Gross Income*


    Contact Number*

    Are you buying with your partner?*

    Our initial advice on the best mortgage for your needs is offered freely and without obligation. For completed mortgage transactions we will generally charge a completion fee in the range £295 to £495, the exact amount will be determined by the amount of research and administration work necessary to deliver the best possible mortgage solution. To discuss your mortgage and protection needs please get in touch with our team today.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    We'll search the thousands of products to ensure the very best mortgage deal for you.

    We'll liaise with your lender, solicitor, and surveyor, so you don't have to.

    Last, but not least, we'll even take care of all the paperwork.

    Client Reviews

    We are very happy with the service Carl has provided us in securing our mortgage. As first time buyers we had no idea about any of the processes involved. Carl helped us every step of the way and was always available when we had questions or needed advice. The connections he provided us with the Solicitors were also excellent. Cannot recommend enough. We are very happy in our new home.
    Alex Clarke
    My partner and I couldn't be happier or recommend enough the quality services that Acumen Mortgages offer. Finding our new home was made a positive experience by the calm, dedicated and professional manner in which Acumen Mortgages, specifically Carl, handled our mortgage application. We can safely say that without Carl and Acumen Mortgages, we would not be in our dream home today.
    Josh Heaton
    Would not hestiate to recommend Carl to anyone, we received an excellent service from him and Acumen Mortgages. He is very friendly, knowledgable and available to talk you through your queries at any time, he managed to secure us a mortgage despite our complicated situation. Thank you so much for all your help Carl!
    Sophie Paine
    carl at acumen mortgages goes above and beyond. I would highly recommend his services, he always worked around us and answered any questions we had morning or night. He is very friendly and professional and I will happily continue to use his services for the future.
    Louis Guile

    Still not sure?

    That’s alright, we know it’s not every day that you get a mortgage.

    How much can you borrow

    Apply for a Decision in Principle

    Mortgage Calculator

    Calculate your repayments

    Stamp Duty Calculator

    Work out how much stamp duty you’d need to pay