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Can Rental Income Secure You a Residential Mortgage? Yes, you can. If you’re managing properties as a professional landlord, you’ll find many UK lenders consider the income you earn from these rentals a solid foundation for your mortgage application.  They’re keen to know if you can handle the mortgage repayments.  To this end, they assess […]

What Counts as Proof of Income for a Mortgage? Proof of income for a mortgage is the documentation you provide to show how much money you earn. It helps lenders decide if you can afford the mortgage payments. This usually includes your payslips, bank statements, P60 forms, and possibly your employment contract, depending on your […]

Can You Get a Mortgage While on Probation? Yes, it’s possible to get a mortgage during your probation period, but there are extra steps to consider.  Lenders often view probation as a sign of less stable employment because your role might not be permanent yet.  They worry if you’re still in the early stages of […]

Can You Use Pension Income to Qualify for a Mortgage? You can qualify for a mortgage with pension income. Lenders like pension income because it’s steady and predictable, making it easier for you to repay the mortgage.  More lenders are now considering pension income when deciding if you can afford a mortgage. However, qualifying for […]

Can You Get a Mortgage with a Part-Time Job? Yes, you can. Securing a mortgage on a part-time income is possible.  It’s a misconception that the number of hours you work each week directly impacts your mortgage approval. What matters more is your ability to afford the mortgage. Lenders will evaluate your total income, its […]

Can I Get a Mortgage on a Casual or Temporary Job? Yes, you can get a mortgage if you’re in casual, freelance, or temporary work. How successful you are will depend on your situation and your ability to show solid income.  Gig workers or those in flexible jobs need to use all available evidence to […]