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.
Mortgage affordability: how much could you borrow?
Learn how lenders assess mortgage affordability, what can affect your borrowing and how to set a realistic budget before applying.