This depends on your income, outgoings, credit profile, and the type of mortgage you're applying for. Lenders use different affordability models, and as a broker, I can guide you to the ones most suited to your situation—especially if your income is complex or non-standard.

Yes. You’ll usually need to provide two years’ worth of accounts or tax returns, but some lenders accept just one. I specialise in working with self-employed clients, and I know which lenders take a more flexible view of income from dividends, retained profits, or contracts.

A residential mortgage is for a home you’ll live in. A buy-to-let mortgage is for a property you intend to rent out. The deposit requirements, affordability checks, and interest rates can differ significantly, and I can help you understand which option fits your goals.

It depends on your tax position and long-term plans. Buying through a limited company can offer tax advantages for some landlords, but it also comes with additional costs and responsibilities. I’ll work with you (and your accountant) to help you make an informed decision.

In many cases, yes. Some lenders specialise in working with clients who’ve had credit issues, depending on the type and age of the credit problem. I can review your credit profile and help you explore your options.

With a repayment mortgage, you pay back both the interest and part of the loan each month—so it’s fully paid off at the end of the term. With an interest-only mortgage, you only pay the interest, and the loan amount remains outstanding. You’ll need a strategy in place to repay the capital later. Interest-only can be suitable for some clients or investment properties, but it’s not for everyone.

It’s not mandatory - but it’s highly recommended. Life cover, critical illness, and income protection can safeguard your home and lifestyle if the unexpected happens. I’ll help you figure out what protection (if any) makes sense for your circumstances.

This varies depending on your situation and the lender, but generally:

• Agreement in Principle – 24 – 48 hours

• Full application to offer – 1 to 4 weeks

• Completion – Often 8 – 16 weeks, depending on legal work and whether you're buying or remortgaging

I’ll guide you through every stage and keep things moving where possible.

In most cases, yes. My fee reflects the time and expertise involved in sourcing the right mortgage and managing the process on your behalf. I’ll always explain any fees clearly and up front, so there are no surprises.