Whether you’re looking to remortgage, purchase for the first time or if you’re looking to move home, we are there from the very first conversation all the way through to completion and beyond. 

All lenders vary massively in how they assess you as a potential borrower, so you might go along to your bank or building society, who do an affordability assessment and based on their particular criteria, they may, for example, lend you four times your income. The variables between how much you can borrow between each lender, can be absolutely huge.

The way that lenders assess you as an individual and your income, also vary massively. For example, if you’re a Limited Company Director, some lenders will take into account your salary and your dividends, whereas some will take your net profit into account. So again, you could potentially borrow vastly different figures, depending on the lender that you approach. If you just see your bank or building society, all they will be able to talk to you about is their own deals.

A broker like ourselves deals with these lenders daily, so we know which lenders take which sources of income, which lenders are most suitable for certain job types etc.