The State of UK Mortgage Affordability 2026:
Why greater mortgage choice is not restoring buying power
How to improve your mortgage affordability
Learn how lenders assess affordability and which changes to your debts, spending, credit history, deposit and mortgage term may strengthen your application.
How much debt is acceptable for a mortgage in the UK?
Existing debt does not automatically prevent mortgage approval. Learn how lenders assess monthly repayments, credit history and disposable income.
How many times your salary can you borrow for a mortgage?
Find out what borrowing 4 to 4.5 times your salary could mean, when higher income multiples may be available and which factors could affect your options.
How mortgage affordability checks work
Mortgage affordability checks consider your income, spending, debts and credit history. Find out what lenders review and how to prepare.
Joint mortgage with bad credit
Yes, you can get a joint mortgage if one applicant has bad credit. Lenders will assess both applicants, the type of credit issue and your overall affordability before making a decision.
How much can you borrow with a joint mortgage?
A joint mortgage could help you borrow more by combining your incomes, but lenders also look at your spending, deposit and credit history before deciding how much they’ll lend.
5% mortgages: buying with a smaller deposit
A 5% deposit mortgage could help you buy a home sooner. Learn how these deals work, who may qualify and what to check before applying.
What is a mortgage broker, and what do they do?
What is a mortgage broker? Learn what they do, what they charge and how they can support your application.
Getting a mortgage with bad credit
Bad credit does not always stop you from getting a mortgage. Learn what lenders may check, how your deposit and timing can affect your options, and what to do before applying.