Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

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