Mortgage Haat
Your questions, answered
Clear starting points for common mortgage questions.
How much could I borrow?
Lenders consider income alongside spending, existing commitments, dependants, credit profile and the property. A simple income multiple does not provide the full answer. Our calculator estimates repayments; it does not determine what you can borrow.
What does mortgage advice cost?
Mortgage advice fees range from £495 to £1,995 depending on the complexity of your case. We will explain the exact fee and applicable terms before you decide whether to proceed.
Do I need to have found a property?
You can start by discussing your plans before you have found a property. An initial conversation can help you understand the mortgage process and the information that may be needed.
Can I get a mortgage if I am self-employed?
Self-employed applicants can be considered for a mortgage. The income evidence requested and the way it is assessed differ between lenders. Your wider circumstances and the property also matter.
Is an agreement in principle a mortgage offer?
No. It is an initial indication based on information provided. A full application, further checks and assessment of the property are normally needed before a lender decides whether to make an offer.