Mortgages Explained

Mortgages can be complicated. So we’re making them simple. Whether you’re a first-time buyer or a longtime landlord, here’s everything you need to know, in plain old English that is relatively jargon-free.

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Why does having a healthy deposit matter?

If you’re self-employed, a healthy deposit will boost your chances of securing a mortgage. Lenders look at your loan to value ratio (LTV)...

If you’re in a business partnership

Lenders will look at your share of the company’s profits if you’re in a partnership, so they can establish how much money you make –...

What is a mortgage decision in principle?

If you want to improve your chances of being accepted for a mortgage, you should apply for a Decision In Principle (DIP), also known as a...

Still in your first year of trading?

You most likely won’t be able to apply for a mortgage if you haven’t filled out a tax return for your first year of trading. That’s...

How much can you borrow if you’re self-employed?

The short answer is: it depends. Whenever anyone applies for a mortgage, the lender carries out an “affordability assessment” to work out...

How do you prove your income when applying for a mortgage?

If you’re self-employed rather than in standard full-time employment, things are a bit different when it comes to proving your income....

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Mortgages Explained

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