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Whether you are employed or are self employed it is almost certain that as part of your mortgage application process you will have to pass an affordability check.  Affordability checks have become slightly more sophisticated since the mortgage market review took place in April 2014. Thorough mortgage brokers will often run a detailed affordability check prior to…

Help to Buy I & II Schemes Help to Buy is a government scheme which could make getting on to, or moving up, the housing ladder more accessible.  It helps existing home owners and first time buyers purchase a home with as little as 5% deposit. There are two ways to purchase a property up…

The majority of mortgage lenders are now lending to age 70 without the need for proof of income in retirement; I have found this mortgage policy will generally suffice for many people.  On occasion banks will lend to age 75 assuming you are a fair way off retirement, and that your role is not physically demanding….

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