Bank account conduct for mortgage approval: what lenders check
A healthy bank balance alone does not show a lender whether a mortgage is affordable. UK lenders assess affordability using your net income and, at a…
Remortgaging with an early repayment charge: compare costs
Paying an early repayment charge isn’t always the most expensive choice. Avoiding early repayment charges when remortgaging often comes down to…
Applying for a mortgage in a probation period at a new job
A probation period doesn’t automatically rule out a mortgage. Applying for a mortgage during a probation period in a new job may be possible: UK…
Applying for a mortgage while pregnant: income checks and rights
Pregnancy doesn’t automatically rule out a mortgage. Lenders may assess whether repayments are affordable based on your income and outgoings during…
Mortgage down valuation: options for negotiating or covering the shortfall
If you’re anxious about a mortgage survey down-valuation and wondering what to do, first find out how much the lender is willing to lend based on its…
Annuity income for mortgage proof: what lenders may accept
Regular annuity payments can support a UK mortgage application. For annuity income to count as proof, a lender needs to see what you receive and…
Advice when your fixed-rate mortgage ends and your next options
When your fixed rate ends, your mortgage does not disappear, but your payments may change. If you have not arranged a new deal, your lender usually…
Getting a Mortgage After Repossession UK: A 2026 Guide
A repossession can make a mortgage application harder, but it doesn’t automatically rule out borrowing in future. If you’re asking whether getting a…
Contractor Mortgage with No Payslips: What Can You Use Instead?
What if you can show a lender you earn a reliable income, even without a monthly payslip? A contractor mortgage no payslips application may still be…
Income Multiplier Mortgage 2026: How UK Lenders Assess What You Could Borrow
What if the familiar 4.5-times-salary figure isn’t a hard limit? An income multiplier mortgage 2026 estimate can be a useful starting point, but it…