Mortgage Application

If you run your business through a limited company, there's a good chance you're underselling yourself when it comes to getting a mortgage. Not intentionally. Just because the way most lenders assess your income doesn't reflect what your business actually earns, and most directors don't know there's another way.

Told You Can't Get a Mortgage? We've Heard That Before and We've Proved It Wrong There's a particular kind of frustration that comes with being told no when you know you can afford a home. You've done the sums. You know what your income is. You know what you can comfortably pay each month. And yet somewhere along the way - whether it was a bank, a comparison website, or another broker - someone looked at your situation and told you it wasn't possible.

Is Your Remortgage Due Before June 2027? You Could Lock In a Rate Right Now

Buying a home is one of the biggest decisions you'll ever make. It can feel overwhelming at first as there's a lot of information out there, a lot of people with opinions, and a lot of steps between where you are now and holding the keys. But when you strip it back, getting the foundations right comes down to three things. Get these in place early, and everything else becomes a lot more manageable. 1. Have a Clear Budget in Mind Before you look at a single property, you need

If you're self-employed and declaring a salary of £12,570, the personal allowance threshold, you're in good company. It's one of the most common and tax-efficient ways for limited company directors and business owners to pay themselves. It's also one of the most misunderstood situations in the mortgage world. Many people in this position assume they simply won't qualify for a mortgage. Their declared salary looks low on paper, their accountant has done exactly the right thing

When it comes to getting a mortgage, most people assume the simplest route is to go straight to their bank. It's familiar, it feels straightforward, and it seems like one less thing to organise. But simple isn't always the same as best. And when you're taking on what is likely the biggest financial commitment of your life, the difference between the two can cost you, or save you, a significant amount of money. Here's an honest look at both options. Going Direct to a Lender