This depends on your level of income and expenditure
Also many lenders now calculate maximum borrowing on an affordability basis rather than income multiples.
If you would like an approximate figure please use our mortgage calculator, if however you would like a more accurate figure please call us on 0800 144 744 Back to index

Daily interest means that the lender will calculate the interest charged on the outstanding balance every day
Annual interest is calculated at the end of the calendar year, which means that your monthly payments are only taken into account once a year, thereby costing you more in outstanding interest.Back to index

If you have bad credit or adverse credit, this does not necessarily mean that you cannot obtain a mortgage.
Although most High Street lenders will not accept people with bad credit we can help with adverse credit mortgages. There are now more specialist lenders in the market place who are able to assist in most circumstances.
If you need assistance please call us on 0800 144 744

The overall cost for comparison is 7.6% APR Back to index

This is calculated either on the rental income of the property or your personal income or a combination of both. For an accurate assessment please contact us on 0800 144 744Back to index

No you do not have to take any insurance via the Mortgage & Insurance Bureau however we would recommend that you have a personal assessment of your insurance requirements with one of our highly experienced advisors.Back to index

Yes, some lenders will allow you to spread your repayments up to 40 yearsBack to index

No, if you would prefer we can carry out a review of your situation over the phone and send any information by post or emailBack to index

If you are self- employed, you may simply not be able to prove your income in a form acceptable to a mortgage lender. An example could be no formal or recent accounts or accounts prepared by someone without the prescribed qualifications. You may also be an employed or self-employed person who has some buy to let or investment properties.

Whilst originally intended for the self- employed, the self cert concept has been extended to incorporate the employed market. For example, those who derive a large proportion of income from non-guaranteed sources such as bonuses, commissions and other allowances. A self-certification mortgage is ideal in this situation, as the lender will normally allow 100% of such income into the affordability calculation.

Self certification mortgages mean that you do not have to prove your income. You will therefore need to be sure that you can afford the repayments on the new loan out of your actual income.

The overall cost for comparison is 7.6% APR' to the page on our website that refers to mortgages. Back to index

This can be possible, please contact us to discuss your personal situation.Back to index

If you have a fixed rate then any interest changes will not affect you until your fixed period ends.Back to index

A re-mortgage simply involves moving or transferring a current mortgage to a new lender. This can also include raising extra capital by increasing the loan size. Most lenders offer attractive terms to secure this business from their competitors and large savings can be made.Back to index

If your property is your main residence there is no Capital Gains Tax liabilityBack to index