Mortgage FAQs
Straight answers to the questions that come up before a mortgage or protection conversation.
How much can I borrow?
That depends on the lender’s assessment of income, commitments, household spending, term and property. A borrowing calculator is only a planning illustration. An adviser can check current criteria and the evidence behind your figures.
Do I need a perfect credit history?
Not necessarily. The type, amount and age of any issue matter, along with the rest of your circumstances. Provide the full credit report and an accurate explanation before applications are made.
Can I get a mortgage if I am self-employed?
It may be possible. The business structure, trading history and evidence determine how a lender assesses earnings. Turnover, company profit and personal income should be distinguished.
Can income earned abroad be considered?
Some lenders can consider certain overseas income and residence circumstances. Acceptance of a country, currency and employer is case-specific, and currency movement can affect the real cost of sterling payments.
Should I stay with my current lender?
Compare the available product transfer with a remortgage over the same period, including fees, charges, flexibility and the outstanding balance. Staying can be simpler, but is not automatically cheaper.
When should I review my current deal?
Make a note of the end date and begin the conversation in advance, allowing for the lender’s booking window and any legal or valuation work. Avoid assuming a new deal can start early without a charge.
Does an agreement in principle guarantee a mortgage?
No. The full application, evidence, valuation and legal conditions still need to be accepted. Material changes can affect a lender’s decision.
Are the calculators personal advice?
No. They use the assumptions displayed on the page and do not assess lender eligibility. Fees, product changes, tax circumstances and policy terms can affect actual outcomes.
Will I be told about fees before proceeding?
Yes. The scope of the mortgage advice and any adviser fee should be disclosed at the outset. Product, legal, valuation and other third-party charges are considered separately.
How should I send sensitive documents?
Use the secure document route agreed with your adviser. The initial enquiry form is for a short summary; it does not require account numbers, passports, tax references or medical details.
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