Main Residence Mortgages

Whole of market advice

We provide advice on mortgages from the whole of market, which means that we are not tied or restricted to any particular lender. As well as the usual high street lenders we have relationships with private banks, giving you a greater choice.

Employed applicants. Although banks now use affordability calculations to establish a maximum mortgage amount, they still generally cap borrowing at 4.5 times joint earnings and 5 times single earnings. For certain borrowers we have been able to reach between 5.5 and 6 times earnings. These can be further restricted the nearer to retirement you are.

Self-employed sole traders / Partners of LLPs. Self-employed sole traders or partners of LLPs use their net profit after tax as a basis for calculating borrowing.

Directors of Limited Companies. Directors who do not draw down all of their retained profit can sometimes struggle to borrow the amount that truly reflects their income. We are able to help, as there are some lenders who will allow you to use your basic salary and share of net profit after corporation tax as the basis of affordability.

We always recommend that clients protect their mortgage in the unfortunate event of death, sickness or unemployment.