Renting has its moments. No boiler to worry about, no roof tiles to replace, and a landlord (hopefully) just a phone call away. But after a while, it’s natural to start asking: am I just paying off someone else’s mortgage? If you’ve been thinking about buying your first home but feel overwhelmed by the process, the costs, or even just the jargon, welcome to our insights. You’re in exactly the right place. At Delta Mortgages, we’ve helped countless first-time buyers go from “h

If you’re starting to think seriously about buying a home, you’ve probably come across the term Mortgage in Principle. Sometimes it’s called an Agreement in Principle or a Decision in Principle – but don’t worry, they all mean the same thing. So, what actually is it, how does it work, and why does it matter when you’re buying your first home or moving to your next one? What Is a Mortgage in Principle? A Mortgage in Principle is a statement from a lender confirming, based on w