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Can You Get a Mortgage with a New Job? Yes, you can get a mortgage with a new job. It’s quite common for people to apply for a mortgage when they’ve just started working somewhere new.  Different lenders have their own rules about this, so while some might be accepting of your new job situation, […]

Can I Get A Mortgage On Maternity Leave? Yes, you can get a mortgage on maternity leave, but it requires careful planning and choosing the right lender. It’s important to understand that lenders typically assess your affordability based on your income, and since your income is lower while on maternity leave, this can impact the […]

Can Freelancers Get Mortgages? Yes, freelancers can absolutely get mortgages! However, the process is typically stricter compared to salaried individuals.  This is because lenders require evidence of consistent income, and freelance income can fluctuate more than regular salaries.  The good news is that there are a growing number of lenders willing to consider freelancers, recognising […]

What Is a Fixed Term Contract? A fixed-term contract is a type of job agreement with a clear end date. This means if you’re working on a fixed-term contract, you’re hired for a specific period. This could be for a few months or even a year or two, usually to complete a particular project or […]

How Gambling Affects Your Mortgage Application When considering your mortgage application, lenders like to get a clear picture of your financial situation.  This includes taking a peek at your bank statements, where they might notice any gambling transactions. Here’s what could raise a red flag: – Big spending. If you’re spending a lot more money […]

What Are Contractor Mortgages? A contractor mortgage is a special type of loan that lets you buy a house if you work for yourself or on short-term contracts. It’s different from regular mortgages that people with permanent jobs get.  This is because contractors might not get paid the same way every month, making it hard […]