Your affordability will be dependent on your income. Typically you can borrow between 4.5 & 5 times your joint income, but this can vary depending on age, credit commitments, deposit and whether you have dependents.

Mortgage terms are generally available between 5 & 40 years. A longer-term might be suitable for a younger person with many years until retirement, whereas someone older could be restricted to a shorter term.

You could obtain a mortgage with as little as a 5% deposit. However, you would usually receive a better interest rate with a larger deposit.

Yes. We have many lenders who will consider different levels of adverse credit, please refer to our specialist page for more information.

Although Buy To Let & Let To Buy mortgages require a larger deposit, when it comes to interest rates and associated costs, they can be similar to residential mortgages. Buy to Let mortgages will usually be available on an interest only basis as well as capital and repayment, which some landlords utilise in order to achieve a lower monthly payment and maximise rental profit. 

Lenders will want to know which solicitor you plan to use as part of the application process. We are more than happy to recommend a solicitor and will always provide you with a comparable quote for legal services. However, if you have chosen one or already have an existing relationship this is no problem at all.

Generally, mortgage offers last up to 6 months. With that in mind, this is the period within which we recommend you start the process. This period also allows plenty of time for solicitors to carry out their work should this be required. If you have any worries around uncertain economic times, we are happy to review your mortgage at any point.