First time buyer myths explained. Discover the truth about deposits, credit, and mortgages for first-time homebuyers in the UK.
First-Time Buyer Myths Explained
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Articles by
Louis Mason
Louis Mason
Can I Get a Mortgage In My Probation Period in the UK?
Can you get a mortgage during probation in the UK? Learn which lenders accept new job applications and how to improve approval chances.
Securing a £1.8M Mortgage Using Bonus & Complex Income (Case Study)
Bonus income mortgage UK case study showing how a £1.8M mortgage was secured by structuring bonus income correctly.
£200k Salary Mortgage UK: How Much Can You Borrow?
£200k Salary Mortgage UK: How Much Mortgage Can You Afford? If you’re earning £200,000 a year, one of the most common questions is: “How much mortgage can I afford with a £200k salary?” The answer depends on several factors, including your income structure, deposit,...
HNW Mortgages: A Complete Guide for High Earners
High Earner Mortgages UK: What Are Your Options? If you’re a high earner, you may assume getting a mortgage is straightforward, but that isn’t always the case. Even for high-income applicants, lenders don’t always assess income in a way that reflects true...
How Is Mortgage Affordability Calculated?
Mortgage affordability checks are assessments used by lenders to decide how much you can borrow and whether you can afford the monthly repayments.
Can I Get a Mortgage With Debt in the UK?
Can you get a mortgage with debt in the UK? Learn how loans, credit cards, and finance affect affordability and borrowing.
Self-Employed Mortgage with 1 Year Accounts UK
Self-Employed Mortgage (1 Year Accounts UK): What Are Your Options? If you’re self-employed and only have one year of accounts, you may be wondering: “Can I get a mortgage with 1 year accounts?” The good news is, yes, it is possible. There are lenders in the UK who...
UK Mortgage Market Update – 27th of April 2026
Mortgage rates in the UK rose again in the third week of April 2026 as lenders adjusted pricing. Here’s what it means for buyers and remortgages.
Large Mortgage Case Study UK: How We Secured a Better Rate on a £1m Mortgage
Arranging a large mortgage? See how a small change saved our client money on a £1m+ loan. Specialist advice for high-value mortgages in the UK.
Mortgage Affordability in London (2026 Update)
London property prices continue to outpace salaries, but how much do you actually need to earn to buy in London? In this 2026 report, we break down average salaries, mortgage borrowing power, and the real affordability gap facing buyers across the capital.
Does Changing Jobs Affect Your Mortgage Application in the UK?
Changing jobs before applying for a mortgage in the UK? Learn how it affects approval, probation periods, and borrowing in this 2026 guide.
£1 Million Salary Mortgage UK: How Much Can You Borrow?
If you earn £1 million a year, your mortgage options go far beyond standard high street lending. At this level, you’re likely to be considered a high net worth (HNW) or ultra high net worth (UHNW) client, meaning lenders can offer bespoke mortgage solutions tailored...
UK Mortgage Market Update – 20th of April 2026
Mortgage rates remain high in April 2026, although pricing eased slightly this week. Here’s what it means for UK buyers and homeowners.
Securing a £1.2M Mortgage for a Client with Bonus Income (Case Study)
See how a £1.2M mortgage was approved using bonus income and why choosing the right lender can significantly increase borrowing potential.
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