Use our Mortgage Affordability Calculator to complete your income details, to give you an idea of how much you may be able to borrow.

One of the main conversations we have with clients is on the subject of what is the maximum they are able to borrow or are they able to get the amount they wish to borrow.

Yes, it is absolutely possible to get a mortgage on £20k a year. Very few lenders have a minimum amount of income to qualify for a mortgage and will typically permit anywhere between 4 to 5 times your annual income.

Affordability or the ability to borrow the amount required for a mortgage is one of the critical elements of an application and one that gives cause to most disappointments when people look into their options.

For many lenders the maximum income multiple they will permit will be 5x income. Some will even cap this at a lower level however, there are some that will go beyond the 5x income multiple.

Failing a lender's affordability criteria is one of the most common reasons a new person, family or someone looking to relocate, may contacts us for advice.

Everyone's circumstances are different as are their needs when it comes to their borrowing requirements. As such, mortgages come in all shapes and sizes. This item focuses on a sized mortgage of £150,000 that is now relatively commonplace.

We'll give you an insight into what you can expect, and also a few hints and tips on how you can ensure you set your £200,000 mortgage up in the best way for you.

We’ve put a useful guide together with a few pointers as to why your bank statements are required by some lenders, and debunk some of the myths that some people believe.

What could be the possible stumbling blocks when looking for a mortgage? We’ve listed a few of the usual suspects together with some ideas on how these may be resolved to enable success.

There are many factors to take into consideration when arranging your mortgage with one of these being the overall term. Certain restrictions can apply where your mortgage term is concerned so we’ve put a few of the main points here to help you along the way.