This specialist Charles Louis service is for anyone who is:
If you are a British citizen, residing in the UK* please contact the Charles Louis mortgage team for mortgage products which could suit your circumstances.
This application in principle (AiP) will tell you how much money you may be able to borrow and at what approximate interest rates and product terms based on your circumstances and the property you want to buy.
This AiP form is for someone who wants to buy a property as an owner occupier or for a buy to let investment or as a second home.
You should have an in principle mortgage decision within 24 hours. This AiP does NOT affect your credit score*.
Ready? Let’s go!
Your AiP is reviewed by Liquid Financial Services (Liquid FS) who are whole of market***. Liquid Financial Services will forward your AiP to the most relevant lenders based on your circumstances. The lenders responses are then communicated back to you once the lenders reply.
You will be told whether you can receive a mortgage in principle. If so, all the relevant mortgage offers will be itemised, including sum which can be borrowed, interest rate, repayment terms and fees.
Liquid Financial Services are the specialist mortgage administration partner to Charles Louis Mortgage Advisers. Liquid FS are authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 304133. Registered in England No. 04599220.
A successfully completed AIP isn’t a full guarantee banks will lend to you. If you apply for a mortgage, lenders will base their decision on the details you’ve provided, your circumstances and their lending policies at the time.
**If you have a UK credit profile, lenders may do a credit search on your profile. The search will show on your profile, but this will not affect your credit score. If you do not have a UK credit profile, there will be no credit search.
***A ‘whole of market’ mortgage adviser is usually independent, with no links to any specific mortgage lender. This means mortgage applicants have more product choice than a ‘tied’ lender or group of lenders with a limited product choice.
*Definition of UK resident https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3 (opens new tab)
Frequently asked questions about obtaining a mortgage in agreement for a UK non-resident buy to let mortgage.
What is a mortgage agreement in principle?
A mortgage agreement in principle is a way of finding out how much money you can borrow for a buy to let mortgage in the UK.
This application process does not require a full credit check. The lending banks will rely on the information you submit for them to assess your eligibility for a mortgage.
You’re not committing to obtain a mortgage from any specific bank.
An agreement in principle isn’t a guarantee that a bank will lend to you. If you apply for a mortgage, lending banks will base their decision on the details and documentary evidence you provide at the time of the mortgage application.
Once you have completed your mortgage agreement in principle, we will do our best to give you an agreement in principle decision within 24 hours.
You will receive an email showing the mortgage decision in principle based on the information you have submitted. If you have been offered a mortgage agreement in principle, you will receive an attached certificate showing your mortgage agreement in principle. You will also receive an itemised list of mortgage offers, including the:
Note: Information on mortgage offers from lenders will vary.
How long does an Agreement in Principle last?
Assuming there is no change in your income, debts and regular spending, your agreement in principle should be valid for 90 days from date issued.
If your circumstances change and you haven’t yet started a mortgage application form, but you still want a mortgage, we suggest you obtain another agreement in principle in case it affects how much you can borrow.
“Our experience of Charles Louis, from start to finish, was fantastic. Zoe seemed to know everything you could possibly need to know about the house (including all the neighbours!) when we first viewed it with her and was very accommodating when we asked for a second viewing the very next day! Our experience up until that point was that we often felt rushed when viewing a property or told to ‘call the office’ if we had a question.
Once we had our offer accepted, I found James to be very responsive and I was never left waiting if I emailed or text across a quick query throughout the process. Having a named person who I could just ring whenever was a massive win and removed much of the stress – I never once had to explain who I was or why I was ringing – it felt like a very personalised service. Having just moved to Ramsbottom we have already recommended them to a few people!”Robert Cregeen
Whole Market Access