If you’d like to find out what you can borrow fill in our contact us form or book an appointment and one of our experts will give you a call back to carry out an affordability assessment.

With some lenders a job offer and start date is all you need. If you have your first pay slip more lenders become available to choose from.

No, your payslips are all you need. The lender will want to know about your work history, but we can get you a mortgage with as few as 3 months’ pay slips. 

Yes, you can. The lender will want to see your payslips over the last 12 months and any previous P60s to build up a picture of the number of hours you typically work each month.

A lender will take into account income from multiple jobs. They’ll also check whether or not the number of hours you are working is sustainable. 

Generally, there are mortgages available starting from 5% deposit. However, there are some mortgages where no deposit is needed. Instead assistance is required from family or a friend.

Yes. In Wales the Help to Buy Scheme is available if you are buying a new build property of upto £300,000. If you use the scheme the amount of deposit, you need to pay is 5%.

In England the First Homes Scheme offers new build homes at a discount of 30% compared to the market price. In some areas the discount could be as high as 50%. You can buy using this scheme with a 5% deposit. The downsides are lender choice is limited with just a 5% deposit and your household income can’t exceed £80,000. (£90,000 in London). Each local authority can set a lower household income limit if they wish.

Deposit unlock allows you to buy a new-build home with just a 5% deposit. It’s been developed by the Home Builders Federation, with banks and the house building industry. The downsides are there is limited lender choice, and it is only available on new build properties.

It is worth speaking to the sales negotiators on new build developments you are interested in as the developer may be prepared to contribute towards your deposit. If the developer is keen to sell a property you could receive upto a 5% contribution towards your deposit.

If you don’t need help with the deposit Own New’s Rate Reducer available on certain new build properties can reduce your monthly payments for two or five years.

Shared Ownership is another option. This is where you buy part of the property and rent the rest, with the option to buy a greater share and potentially all the property when you can afford it. Shared Ownership homes are bought through housing associations, and you will need to meet their criteria. They’re available on both new and existing properties.

Lenders take different approaches when it comes to credit scores.  The starting point is to check your credit report and make sure there isn’t anything on there that is incorrect, or you’ve forgotten about. For more on this, read our guide to how your credit score can affect your mortgage.

Most lenders limit this to immediate family. Some lenders will allow friends and more distant family members to gift you money. If you’re buying from your landlord it may also be possible for them to gift you money.

Yes, you can. It’s a good idea to come to a formal agreement about the minimum number of years you will commit to living in the property. A solicitor will be able to help you with this.