
Mortgage Guides
Insights, updates and honest advice, created to help you feel more confident about your home, your mortgage, and everything in between

How to Improve Your Affordability Before Applying
Want to boost what you can borrow? Follow this practical plan to improve your mortgage affordability before you apply.

First-Time Buyer Mistakes That Shrink Your Borrowing Power
Avoid the common mistakes first-time buyers make that quietly reduce borrowing power. Learn smart ways to protect your affordability.

How Your Outgoings Can Matter Just as Much as Your Salary
Your salary sets the starting point, but lenders judge outgoings just as closely. Discover why what you spend matters as much as what you earn.

The Hidden Costs That Can Reduce Your Mortgage Borrowing
Think you can borrow more? Learn the hidden costs that reduce your mortgage borrowing and how to prepare before you apply.

How mortgage lenders work out how much you can borrow
Find out how lenders really decide what you can borrow. From income and debts to dependants and credit history, here’s what shapes affordability and how to put yourself in the best position.
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