When it comes to getting a mortgage, most people think about deposits, credit scores, and paperwork — but overlook one of the biggest factors lenders care about: your monthly outgoings.
The lower your regular expenses, the more you can afford to borrow — and the better your chances of approval. That’s why smart buyers are starting their mortgage journey with something simple: a proper look at their utility bills.
💡 Why Your Utility Bills Matter
Lenders assess your monthly affordability, not just your income. That includes:
- Broadband
- Mobile phones
- Gas & electricity
- Home insurance
- TV and streaming packages
Even shaving off £50–£100 per month could make a big difference when it comes to passing affordability checks.
🔍 The Problem? Most People Are Overpaying
If you’re still on standard tariffs or using multiple suppliers, chances are:
- You’re paying more than you need to
- You’ve got separate bills, logins, and contracts to manage
- You haven’t reviewed your deals in over 12 months
🧠 The Smart Move? Bundle & Save
We can introduce you to a utilities specialist who can help you:
✅ Switch to better value tariffs
✅ Bundle your services under one provider
✅ Get cashback and rewards
✅ Lower your overall monthly costs
It’s like giving your mortgage application a head start — without changing your lifestyle.
💬 Ready to Clean Up Your Finances Before You Apply?
Before applying for a mortgage, take a few simple steps to get your finances in shape — and that includes sorting your household bills. It’s an easy win that could make a big impact.
✅ Boost your mortgage affordability
✅ Reduce your monthly bills
✅ Get expert help without the hassle