Self-Employed

A study published by Lloyds Bank in August 2026 found that more than a third of prospective first-time buyers are so worried about being rejected that they haven't even started the conversation. Many are making real sacrifices - delaying travel, putting off marriage, not having children - while waiting to hit a financial standard they've invented for themselves. Here are the most common myths we hear and what's actually true.

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.