Can You Get a Mortgage If You Are Single? Absolutely! While applying for a mortgage alone can seem daunting, single people can get a mortgage in the UK. Mortgage lenders regularly grant mortgages to solo applicants – being single isn’t a barrier. What’s important is that you meet the lender’s affordability criteria, have a good […]
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Getting a Mortgage as a Single Person: A Complete Guide
Getting a Single Mortgage When Married: Is It Possible?
Can You Get a Mortgage as the Sole Applicant When Married? When you’re married, the assumption is often that you’ll apply for a joint mortgage to buy a home together. But that’s not always the case. Various reasons might lead you to get a mortgage in just one person’s name, even when married. If you’re […]
How To Get Mortgages In Scotland? A Complete Guide
What’s Different About Getting a Mortgage in Scotland? Owning a home in Scotland is exciting, but getting a mortgage there is a different experience compared to the rest of the UK. In Scotland, the basics—income, credit history, affordability—stay the same. But the process? It’s got its own quirks. The first difference you’ll encounter is the […]
Joint Mortgage With Family & Friends: A Complete Guide
What Is a Joint Mortgage With Parents Exactly? A joint mortgage with parents is when you and one or both of your parents co-borrow a mortgage and co-own the property together. All applicants are legally responsible for making the full monthly mortgage payment. You all own equal shares of the home unless otherwise agreed upon. […]
Can Foreigners Get a Mortgage in the UK? A Complete Guide
Who Qualifies as a Foreign National for UK Mortgages? The term “foreign national” encompasses anyone who doesn’t hold a UK passport or permanent UK residency. This includes: It doesn’t matter where you’re originally from – the key factor is your current immigration status in the UK. Image showing three types of foreign national. Mortgage Eligibility […]
What Checks Do Mortgage Lenders Do Before Completion?
What is a Final Mortgage Credit Check? A final mortgage credit check is the last step lenders take before they approve your mortgage. They review your credit history again to ensure nothing has changed since your initial application. It’s their way of confirming you’re still a reliable borrower. This check ensures you haven’t taken on […]
