First-time buyer or moving
Buying a home
Working out what you can borrow, using a gifted deposit, or fitting existing commitments around a new mortgage.
Tell us about thisMortgages · Remortgages · Specialist cases
Mortgages for real life, not just the high-street box‑tick
Buying, moving or remortgaging, including situations that need explaining properly: self-employed or mixed income, a gifted deposit, something on your credit file, or borrowing later in life. Tell us your situation and a person will look at it with you.
Everything on this website is general information, not advice and not a personal recommendation.
Start here
What's your situation?
Pick the one closest to you. Read the guide first if you like, or go straight to the form and we will know what you are asking about.
Remortgage
Remortgaging or raising capital
Your deal is ending, you want to borrow more for works or a purchase, or you need to change the terms.
Tell us about thisLandlords
Buy-to-let and landlords
A first rental, adding to a portfolio, or remortgaging let property. Tell us what you own and what you are planning.
Buying at auction, need bridging, or refinancing straight after a bridge? See PropertyAuction.Finance.
Tell us about thisIncome evidence
Self-employed, contractors and CIS
Sole traders, company directors, day-rate contractors and CIS workers, where the numbers need explaining properly.
Tell us about thisIncome evidence
Benefits or mixed income
Income from benefits, part-time work, maintenance or more than one job, and how lenders may count each part.
Tell us about thisCCJs · defaults · missed payments · IVAs
Credit problems
Something on your credit file does not automatically rule you out. What it was, how recent and whether it is settled all matter.
Tell us about thisOlder borrowers
Later life and interest-only
Borrowing into retirement, an interest-only mortgage coming to an end, or planning how the balance will be repaid.
Tell us about thisNot sure
Something else
Not sure which of these fits, or a mix of several? Give us the outline and we will take a look.
Go straight to the form and tell us what you have in mind.
Tell us about thisHow it works
Three steps, no obligation
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Tell us your situation
A few lines on what you are trying to do and anything you think might complicate it. No documents needed at this stage.
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We look at what lenders might consider
We read what you sent and come back to you to talk it through, in plain English.
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Speak to a regulated adviser if you want to
A conversation with a regulated adviser is a separate step if you want one. Any recommendation comes from that adviser, not from this website.
Free tools
Sketch the numbers, privately
Mortgage payment & cash-needed calculator
Purchase or remortgage. Live LTV, repayment or interest-only, arrangement fee on the loan or from cash, and an optional England & Northern Ireland SDLT or Wales LTT estimate.
Open the calculatorProtection gap check
Once the mortgage looks workable, an optional check of existing life, illness and income cover against illustrative targets. Not advice.
Check your coverMortgage guides
Plain-English guides
What lenders usually look at, situation by situation. General information, not advice.
Deposit sources
Gifted deposit for a mortgage
Donor relationship, living arrangements and source documents matter as much as the cash.
Read the guideIncome evidence
Self-employed mortgage income
Sole trader, partnership and limited company: how lenders usually read the figures.
Read the guideIncome evidence
Benefits or mixed income
Which kinds of income lenders may count, and what evidence they tend to ask for.
Read the guideCredit history
Mortgage with a CCJ
Satisfied or not, how recent and how much: what usually changes the answer.
Read the guideRemortgage
Raising capital on a remortgage
Purpose of funds, extra borrowing and how loan-to-value limits apply.
Read the guideLater life
Interest-only and your repayment plan
What lenders expect to see when the balance is repaid at the end of the term.
Read the guideQuestions
Straight answers before you start
What kind of mortgages can you help with?
Buying a home, moving, remortgaging, raising capital, buy-to-let, and situations that need more explanation than a standard application, such as self-employed or mixed income, a gifted deposit, credit problems or borrowing later in life. Tell us your situation and we will come back to you. This website gives general information, not advice.
How much can I borrow?
It depends on the lender and on you. Many lenders start from a multiple of income, often around four to four and a half times, then check affordability against your outgoings, credit commitments and dependants. Some go higher for certain incomes or professions; others go lower. The mortgage calculator gives illustrative figures only, not a lending decision.
Can I get a mortgage if I am self-employed?
Usually, yes. Many lenders ask for two years of accounts or tax calculations, and some will consider one year. How your income is assessed depends on how you trade: sole trader, partnership or limited company. The self-employed and contractor guides explain what lenders usually look at.
Can I get a mortgage with bad credit?
Sometimes. A CCJ, default, missed payments, an IVA or a debt management plan does not automatically rule you out. Lenders usually look at what it was, how much, how recent and whether it is settled. Some high-street lenders accept older, smaller, satisfied markers; specialist lenders look at more recent adverse credit, often at higher rates and lower loan-to-value. This is general information, not advice.
Will sending an enquiry affect my credit score?
No. Sending an enquiry through this website does not involve any credit search. If you later go on to speak to an adviser or apply, a lender may run a credit check: some use a soft search at the early stage, which is not visible to other lenders, and a full mortgage application normally involves a hard search, which is recorded on your file.
Are these tools and guides financial advice?
No. The guides are general information and the calculators produce illustrative figures only. They are not advice and not a personal recommendation. Speaking to a regulated adviser is a separate step.
Is Property Money Limited a regulated firm?
No. Property Money Limited (13139726) is a UK company. This website is a tools and enquiry site. It does not provide regulated advice.
What happens after I enquire or book a call?
We read what you sent, or you pick a time for a conversation. That is a discussion of your situation, not a product sale and not advice from this website. If you want to take it further, a conversation with a regulated adviser is a separate step.
Will you add me to a mailing list?
Only if you tick the optional marketing box. It is unticked by default. We still need your consent to use your details to reply to an enquiry.
Property Money Limited
Company 13139726. A UK company site for tools and enquiries — not a regulated firm.
Not advice
Illustrations only. A conversation with a regulated adviser is a separate step if you want one.
Your data, your say
Marketing is opt-in and unticked. We use your details to reply when you ask us to.
Enquire
Tell us your situation
A few lines is enough: what you want to do (buy, move, remortgage, let), roughly how you earn, and anything you think might make it harder. We will come back to you. This form does not start regulated advice.