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Lending limits are carefully set to protect both the lender and the borrower.

If you are sure your income will increase, like a guaranteed pay rise, a lender may take this into consideration.

A family member may be able to act as guarantor, which means they will agree to repay the mortgage if you are unable to do so.

As stated elsewhere within this website, these notes should only be used as an initial guide. We would strongly encourage you to contact us before you find a property so that we can give you specific advice and make sure that you are looking for a property that is realistically within the scope of what’s affordable given your individual circumstances.

Self Certification - (No proof of income)
Some people find it difficult to prove how much they actually earn, maybe because they are self employed and have only been in business for a year or two. Self certification or special status mortgages can overcome this problem. You will need to put down a bigger deposit to enable you to self certify, the interest rate may be higher too.

Adverse Credit
If your credit history is less than perfect there are still lenders that will consider lending. Please call us and we will talk through the options with you.

Buy to Let
These are mortgages specifically available for borrowers to aid them to purchase investment properties. The anticipated rental income is primarily used to asses the amount that can be borrowed and the calculation used by different lenders varies. Again please call us to discuss your specific needs