Frequently Asked
Questions.

Generally, lenders offer between 4 and 4.5 times your annual gross income. However, this is heavily influenced by your monthly outgoings, credit commitments, and the size of your deposit. We provide a detailed borrowing assessment during our first consultation.

The minimum is typically 5% of the property value for residential purchases. While a 5% deposit makes homeownership accessible, reaching a 10% or 15% threshold often unlocks significantly lower interest rates.

A 'Decision in Principle' can often be secured within 24 hours. The full application to 'Mortgage Offer' typically takes between 2 to 4 weeks, depending on the lender’s valuation speed and current service levels.

Highly recommended. In a competitive market like Birmingham or Manchester, estate agents and sellers often prioritize buyers who can prove they are mortgage-ready. It also gives you absolute confidence in your budget.

Yes. While it can be more complex, we specialize in self-employed applications. Lenders typically require 2 years of accounts, but some specialized lenders will consider 1 year. We help present your figures (salary, dividends, or net profit) in the best possible light.

Minor credit blips don't always mean a rejection. We have access to 'adverse credit' lenders who look at the story behind the credit report. We will review your credit file and advise on the most suitable routes available to you.