Services

I'll work out what you can realistically borrow, which lenders will accept your deposit and income, and what the costs look like up front. Then I'll handle the application and keep you updated until you get the keys.

When you're selling and buying at the same time, timing matters. I'll confirm what you can borrow before you start viewing, check whether it's better to move your current mortgage or take a new one, and keep the application moving alongside your sale.

Around six months before your deal ends, I'll compare your current lender's offer with other lenders and tell you which works out cheaper once fees are included. If you want to borrow more for building work or anything else, I'll look at that at the same time.

Lenders treat self employed income very differently. Some only look at salary and dividends, some will use your share of the company's profit, and a few will work from one year's accounts. I'll go through your tax calculations or company accounts first, then go to the lenders whose approach works best for you.

Mortgages for company directors

If part of your income is bonus, commission or overtime, lenders vary a lot in how much of it they'll count. Some will also lend a higher multiple of income to higher earners or certain professions. I'll make sure all of your income is taken into account and your application goes to lenders that suit your situation.

Mortgages for high earners and larger loans · Doctors and consultants · Dentists

I've been a landlord for over 10 years, including an HMO, so I know how rental calculations and stress tests work in practice. I can help with purchases and remortgages in your own name or through a limited company, including for landlords with four or more mortgaged properties.

If I arranged your mortgage, I'll be in touch before your deal ends to compare your lender's new rates with other lenders. There's no fee for this.

I can also advise on life insurance, critical illness cover and buildings and contents insurance, so your mortgage and family are covered if something happens to you. There's no fee for this advice.