FAQS

While a strong credit history makes approval easier, many lenders consider more than just your credit score. Factors like your income, employment stability, deposit size, and overall financial situation also matter.

There are specialist lenders who work with applicants who have missed payments, defaults, or other credit issues. You may need a larger deposit or pay a slightly higher interest rate, but options are often available.

Speaking with a mortgage broker like Mortgage Advisers UK can help you understand what you qualify for and which lenders are most likely to approve your application.

Refer to our mortgage calculator and Speaking to an adviser helps you understand how much you can realistically borrow based on your income, expenses, credit history, and lender criteria. They don’t just look at what a calculator says — they assess your full financial situation to ensure the amount is affordable and sustainable long-term. An adviser can also match you with lenders most likely to approve you, helping you avoid unnecessary credit checks and delays.

When applying for a mortgage, you’ll usually need:

1. Proof of identity – Passport or driving licence
2. Proof of address – Recent utility bill or bank statement
3. Proof of income – Payslips (usually last 3 months) and latest P60
4. Bank statements – Typically last 3 months
5. Proof of deposit – Savings statements or gifted deposit letter (if applicable)
6. Self-employed applicants – SA302s or tax returns and business accounts

Lenders will usually want to see at least 1–2 years of accounts or tax returns (SA302s) to prove your income. They’ll assess your earnings, business stability, and overall affordability — just like they would for an employed applicant. Talk to an adviser today and we can take the stress away to find a suitable solution.

Not necessarily. There’s no set age limit for getting a mortgage, but lenders do have maximum age limits at the end of the mortgage term. This means your age can affect how long you’re able to borrow for.

Many lenders offer options specifically for older borrowers, including retirement interest-only mortgages. Speaking to an adviser can help you understand what’s available based on your age, income, and plans for retirement.

You can usually secure a new mortgage deal around 3–6 months before your current deal ends. Many lenders allow you to lock in a new rate in advance, which can help you avoid moving onto a higher standard variable rate.

Speaking to an adviser early ensures you have time to review your options and secure the most suitable deal.

A mortgage broker gives you access to a wide range of lenders and deals, including some that aren’t available directly to the public. They compare options on your behalf, help you understand what you can afford, and guide you through the application process from start to finish.

Using a broker can save you time, reduce stress, and improve your chances of approval.