Earning £60,000 a year and wondering how much mortgage you could get? See potential borrowing amounts, income multiples, deposit examples and the factors UK mortgage lenders consider when assessing affordability.
Discover how Oportfolio Mortgages helped an experienced portfolio landlord with six properties refinance selected buy-to-let mortgages and release £150,000 towards another investment.
Can future income help you get a mortgage? Discover how UK mortgage lenders assess confirmed pay rises, promotions and new employment contracts when calculating affordability.
Yes, it is possible to get a 100% mortgage in the UK, but usually with family support. Family Building Society has launched an enhanced Family Mortgage available up to 100% loan-to-value (LTV), giving first-time buyers and home movers a way to buy without a...
The Mortgage Works’ latest Buy-to-Let Barometer report highlights a significant shift in landlord sentiment, with confidence in the Private Rented Sector (PRS) weakening compared with last year. At a time when regulation, taxation and interest rate pressures are...
With the average UK house price now surpassing £300,000, according to Halifax, mortgage affordability remains one of the biggest barriers facing buyers, particularly first-time buyers trying to secure their first home. In response to growing affordability challenges,...
Clydesdale Bank continues to stand out in the UK mortgage market for its flexible, common-sense approach to lending, particularly for borrowers with complex incomes, non-standard circumstances or higher loan requirements. As the market moves through 2026, Clydesdale’s...
Canning Town has rapidly become one of East London’s most exciting regeneration hotspots, and Crown Wharf by Barratt Homes sits right at the heart of this transformation. Combining riverside living, excellent transport links and modern design, Crown Wharf Canning Town...
Santander has unveiled a new high loan-to-value mortgage aimed squarely at helping first-time buyers overcome one of the biggest hurdles to homeownership...saving for a deposit. The new product, called My First Mortgage, offers borrowing of up to 98% loan to value...
NatWest has recently made some big changes to its mortgage lending criteria, increasing how much certain customers can borrow and improving affordability for higher-earning applicants across purchases and remortgages. The updates, which came into effect earlier this...
Teachers Building Society has announced a major change to its mortgage criteria, confirming it will now lend up to 7 times income at 95% loan-to-value (LTV) for teachers and education professionals. In this blog, we will run through the changes from Teachers BS, and...
A second charge mortgage is a type of secured loan that allows homeowners to borrow money against the equity in their property, while keeping their existing mortgage in place. Rather than replacing your current mortgage (as with a remortgage), a second charge mortgage...
Bank of Ireland has announced a brilliant shakeup to its Bespoke mortgage range, increasing maximum income multiples and loan sizes to help more buyers access higher-value properties and lending options that weren’t previously available. The changes should help...
Skipton Building Society has built a strong reputation for backing first-time buyers, particularly those who might otherwise struggle to get onto the property ladder. Whether it’s helping renters buy a home without needing a traditional deposit, or allowing buyers to...
Kensington Mortgages has announced a fresh round of mortgage rate reductions in the first week of 2026, cutting rates by up to 0.24% across its residential mortgage range. The changes apply to both 2-year and 5-year fixed-rate products, offering improved options for...
If you have any questions about UK mortgage news or anything you’ve read then please get in touch. We’d love to hear from you.