Category Archives for Mortgages

5 things to improve your credit rating for a Mortgage

5 tips credit score mortgage

Getting and maintaining a good credit score is not a simple task. Even if you’ve never had debt in your life, that doesn’t guarantee you a perfect credit score. When it comes to getting a mortgage, you’ll need to make sure your credit score is the best it can be or you could be declined […]

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How will a poor credit rating affect my mortgage application?

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Raising a mortgage can be nigh-on impossible for people with poor credit scores whether you are employed or self-employed. Many lenders’ criteria are set to either completely exclude you from their process or offer extremely unattractive rates. Do not, however, be disheartened as there may still be hope, depending on your circumstances. A good credit […]

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What do lenders look for with my earnings?

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Whether you are employed or self-employed, mortgage lenders are going to go through your bank statements with a fine tooth-comb. Here are some of the main things they will be looking out for in your earnings, and some tips on how to get ready in advance. Your income, expenses, money managing skills and future predictability […]

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How much can I borrow?

how much can i borrow mortgage self-employed

When you start house-hunting, one of the first questions you will need to ask is, “how much can I borrow?”. Unfortunately there’s no simple answer. Every mortgage lender uses a different set of criteria to assess your application which means the amount you can borrow can differ. This isn’t helpful, especially when you need to […]

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7 things Self-Employed people can do to get a mortgage

7 tips blue house yellow window self employed

Getting a mortgage when you’re self-employed can be tough if you aren’t armed with the tools you need to fight the lenders. Traditional banks often don’t seem interested in many of the things that make you a viable borrower. We understand your pain and have compiled 7 tips to help self-employed people like you secure […]

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I’m Self-Employed; can we get a mortgage?

married couple mortgage self-employed

Every week we get a new enquiry from someone worried because their income isn’t as simple as it would be if they were employed. We’re different and our answer is always the same: just because they or their partner is self-employed or they don’t fit the criteria of the big high-street lenders, that doesn’t mean they […]

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Who’s the best Self-Employed mortgage lender?

circle vents home mortgage self employed lender

Somebody asked me yesterday “what’s the best mortgage lender for me being Self-Employed, and who’s the worst lender to go with?” Really this just falls down to who’s going to offer you the cheapest and best possible interest rate. The best lender is the one that gives you the right amount of money that you […]

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