Heron Financial

Heron Financial Heron Financial | B Corp™️
Bespoke mortgage and insurance practice providing professional advice and a high level of service.

Our clients recognise that choosing the correct financial package is of paramount importance and that solid professional advice is an important part of this. We are able to deliver personal advice either over the telephone or via video call at a time convenient for you and your family. With a promise to provide a lifetime service with our unique on-going management system. For many years we have b

uilt up strong relationships with lenders and insurers, large and small, often obtaining exclusive rates and service levels, meaning our clients always experience special treatment.

26/08/2026

AIP, DIP, MIP… mortgage jargon can get confusing 🥲
The good news? They’re essentially different names for the same thing.
An Agreement in Principle gives you an indication of how much a lender may be prepared to lend based on the information you’ve provided and their initial checks.

It can help you understand your budget and put you in a position to start making offers, but it isn’t a guarantee you’ll get the mortgage. A full application and further checks still need to take place.
What other mortgage jargon would you like us to explain? Drop it in the comments 👇

25/08/2026

Agreement in Principle and a mortgage offer.. they’re NOT the same thing.
An AIP is an early step in your home buying journey. It gives an indication of what a lender may be prepared to lend based on the same information provided and can help demonstrate your buying position when making an offer.
A mortgage offer comes later, after you’ve had an offer accepted, submitted your full mortgage application and the lender has carried out its underwriting and property valuation

Did you know the difference before watching?👇

Save this for your home buying journey and send it to a first time buyer who might find it useful.

24/08/2026

When’s the right time to get an Agreement in Principle? 👀
While it varies between lenders, around three months is common. That means if you’re getting ready to start viewing properties or making offers, it can be worth getting one in place early.

And if your property search takes a little longer? Your broker can look at refreshing your AIP or arranging another one when needed.
🏡Are you already viewing properties, or just starting your search? Let us know below.
Save this for when you’re ready to start house hunting.

21/08/2026

Saving for a home?
Here’s one approach..
Different savings accounts work in different ways so it’s worth comparing your options.
If you’re thinking about buying your first home, we’re here to help you understand your mortgage options when you’re ready!
🏡🏡🏡

20/08/2026

Aireen’s home buying journey..
Aireen bought her home for £66,000 many years ago and now is nearly mortgage free. She shares why she believes consistent saving made a difference and talks about the support that may be available to some buyers.
Everyone’s home buying journey is different, and eligibility for government schemes and mortgage products depends on your individual circumstances.
Thinking about buying your first home? Get in touch via the link in our bio to explore your options!
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19/08/2026

Your Agreement in principle has expired… now what?

The good news is nothing automatically ‘bad happens’, it simply means your AIP is no longer valid.

Depending on your circumstances and the lender, your broker may be able to refresh it, but lenders can change their affordability calculations or criteria, so there’s no guarantee the outcome will be exactly the same.

That’s where speaking to your broker can help you understand the options available and if needed, look at alternative lenders.

Did you know an AIP could expire?👇
Save this for your house hunt and send it to someone currently looking to buy.

18/08/2026

An Agreement in Principle is based on your circumstances at the time it’s issued.

If your situation changes, such as starting a new job, your income changing, or taking on new credit, it may no longer reflect what a lender would be willing to offer.

Before you continue your home search, speak to your broker. They can help you work out whether your current Agreement in Principle is still suitable or whether it’s worth getting a new one.

Have you had a change in circumstances while buying a home? Drop your questions in the comments👇

Save this reel for later, and share it with someone who’s in the middle of their home buying journey.

17/08/2026

Not every estate agent has the same process.

Some may be happy with an affordability check from their in- house adviser, while others will ask you to have an Agreement in Principle before you make and offer or even arrange a viewing.

Having one ready can help you move more quickly when the right property comes along.
Were you asked for an Agreement in Principle before viewing a property? Let us know your experience in the comments👇

Save this reel if you’re starting your home buying journey and share it with someone who’s currently house hunting.

14/08/2026

If two buyers make the same offer, what could make one stand out?

An Agreement in Principle shows a lender has carried out an initial assessment based on the information provided, which can give sellers and estate agents greater confidence that you’re in a position to proceed.

Have you ever been asked for an Agreement in Principle before viewing or making an offer? Share your experience in the comments👇

Save this reel if you’re planning to buy a home, and send it to someone who’s house hunting.

13/08/2026

An Agreement in Principle isn’t just about ticking a box, it’s based on the information you provide.

That’s why your broker will usually ask for details like your income, credit commitments and a recent payslip, checking everything upfront helps make sure the figures you take to a lender are as accurate as possible.

Have you already got an Agreement in Principle, or are you just starting your home buying journey? Tell us in the comments 👇

Save this reel for later, and send it to someone who’s getting ready to buy their first home.

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London

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Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 10am - 5:30pm
Sunday 10am - 5:30pm

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+442031951982

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