How many times your salary can you borrow for a mortgage?
Your salary is a starting point for understanding what you could borrow. Explore how mortgage lending multiples work and what else shapes your mortgage budget.
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.
A complete guide to later-life mortgages
Later-life mortgages can help with buying, remortgaging, releasing equity or managing borrowing into retirement. See the main options and what to compare before deciding.
How long does a later-life mortgage take?
A later life mortgage can involve extra checks around income, age, property value and long-term plans. See what happens from first review to completion.
Using home equity wisely
Your home equity can open up later-life options, from remortgaging and downsizing to retirement interest-only and lifetime mortgages.