Insights & Advice
Expert mortgage tips, market updates, and guides to help you make informed decisions about your property finance.
Limited company director mortgage: Income guide
Limited company director mortgage guide covering salary, dividends, retained profit, documents and how lenders assess director income.
Self-employed mortgage borrowing: How much can you get?
Self-employed mortgage affordability depends on income, deposit, debts and lender criteria. Learn what affects how much you may be able to borrow.
Can you get a mortgage with one year’s accounts?
Find out when a mortgage with one year’s accounts may be possible, what lenders look for, and when waiting could improve your chances.
How do mortgage lenders calculate self-employed income?
Learn how lenders calculate self-employed income for mortgages, including sole trader profit, salary, dividends, contractor income and affordability.
What is an SA302?
What is an SA302? Learn why mortgage lenders ask for it, how it differs from a tax year overview, and what self-employed applicants need.
Self-employed mortgage documents: What you’ll need
Find out which self-employed mortgage documents lenders may ask for, including SA302s, accounts, bank statements and proof of deposit.
First-time buyer questions to ask your mortgage advisor
Prepare for your first mortgage appointment with key first-time buyer questions about borrowing, deposits, rates and application steps.
How to improve your credit score before a mortgage
Improve your credit score before applying for your first mortgage. Practical tips, timelines, and what actually makes a difference to lenders.
What credit score do you need for a mortgage in the UK?
Learn what credit score you need for a mortgage in the UK, how lenders assess you, and what to do if your score is low.
Gifted deposits for first-time buyers: how they work and what to expect
A clear guide to gifted deposits for first-time buyers in the UK, including rules, who can gift, and what lenders require.
What is an Agreement in Principle?
Find out what an Agreement in Principle is, how it works, and whether it affects your credit score before applying for a mortgage in the UK.
How much deposit do I need for a mortgage in the UK?
Find out how much deposit you need for a mortgage in the UK, from 5% to 20%, and how it affects your rates and monthly payments.