Can Stamp Duty Be Added to a Mortgage?

Can Stamp Duty Be Added To A Mortgage? Stamp Duty Land Tax, often shortened to stamp duty or SDLT, is one of the main costs buyers need to budget for when purchasing a property in England or Northern Ireland. In most cases, stamp duty is not simply “added to the mortgage” as a separate fee… Read more
When Will Your Mortgage Be Pre-Approved?

Can you get a mortgage pre-approval before finding a property? Yes — many buyers secure a mortgage Agreement in Principle (AIP) before they start viewing properties. This helps you understand how much you may be able to borrow and can strengthen your position with estate agents and sellers when making an offer. Not sure how… Read more
Mortgages for OnlyFans content creators

Can you get a mortgage as an OnlyFans creator? Yes — but it can be more complex than a standard application. If you earn income through platforms like OnlyFans, lenders will usually treat this as self-employed income. While many lenders are happy to consider it, they will assess your earnings carefully to ensure they are… Read more
How Long Does Mortgage Application Approval Take?

How Long Does A Mortgage Application Take To Be Approved? A mortgage application can sometimes be approved within a couple of weeks, but many applications take around two to four weeks from full submission to formal mortgage offer. More complex cases can take longer, especially where the lender needs additional documents, the property valuation raises… Read more
What Do Mortgage Lenders Look for on Bank Statements?

What Mortgage Lenders Check on Your Bank Statements When you apply for a mortgage, lenders will usually ask to see your recent bank statements. This is not because they are trying to judge every day-to-day purchase you make, but because your statements help them understand how you manage money in real life. Bank statements can… Read more
Do I Need a Decision in Principle to Make an Offer

Making an Offer on a House: Do You Need a Decision in Principle First? The process of buying a home can feel complex, especially when it comes to understanding financial preparations like a Decision in Principle (DIP), sometimes known as an Agreement in Principle (AIP) or Mortgage in Principle. A common question we get is,… Read more
Mortgage With No Early Repayment Charges

Understanding Mortgages Without Early Repayment Charges As a homeowner or prospective buyer, navigating the world of mortgages can be complex. One aspect that often causes concern is the early repayment charge (ERC). If you’re considering paying off your mortgage early, it’s crucial to understand how ERCs work and the options available to avoid them. At… Read more
Mortgages for Celebrities

Mortgages for Celebrities: Specialist Advice for High-Profile Individuals If you’re in the public eye, your lifestyle might seem glamorous from the outside, but when it comes to finances, especially securing a mortgage, things can get unexpectedly complex. Whether you’re a musician, actor, athlete, influencer or media personality, your income is often high but unpredictable. That’s… Read more
Mortgages for Influencers

Mortgages for Influencers – Tailored Mortgage Solutions for Self-Employed Creators As an influencer, your work life may be far from traditional, but that doesn’t mean your homeownership goals should be. Securing a mortgage when your income comes from diverse sources such as brand deals, sponsorships, and content creation may seem daunting. Lenders often favour steady,… Read more
Joint Mortgage When One Applicant Is Self-Employed

Getting a Joint Mortgage When One of You Is Self-Employed: A Complete Guide If you’re exploring the idea of applying for a joint mortgage and one of you is self-employed, you’re not alone. Many couples or co-buyers are in a similar situation, where one person is on a traditional PAYE income and the other works… Read more
Does Having Children Affect a Mortgage

Can having children affect how much you can borrow for a mortgage? Yes — lenders include childcare costs, dependants, and household spending within affordability assessments, which can reduce borrowing potential in some cases. Buying a home with children can feel more complicated, especially when lenders take childcare costs, dependants, and household spending into account. The… Read more
What is an Affordability Assessment?

Affordability Assessments When you’re looking to buy a home or refinance your mortgage, one of the first steps you’ll encounter is the affordability assessment. This crucial process helps lenders determine whether you can afford the monthly repayments on your chosen mortgage product. Understanding how an affordability assessment works can not only prepare you for what… Read more

Category: Self-Employed Mortgages