Mortgages
Mortgage Offer
Definition
A formal, legally binding offer from a lender to provide a mortgage. Issued after the lender's full underwriting process, including property valuation and credit checks. Typically valid for 3–6 months. Not the same as an Agreement in Principle, which is only indicative.
Related terms
Research a property with AI
Paste a Rightmove, Zoopla or OnTheMarket link and get instant AI analysis — red flags, fair valuation, and neighbourhood data.