Mortgagability · Residential
Guides for the mortgage conversation ahead
Six short notes on what usually shapes residential mortgagability in the UK. Read what you need, then run illustrative numbers or talk to a person. This is general information from Property Money Limited — not advice and not a personal recommendation.
Adverse credit
Mortgage with a default
Which default, how much, how recent, and whether it is still open — not the word alone.
Read the guideAdverse credit
Missed payments or arrears
Secured vs unsecured, how recent, how many, and whether you are up to date now.
Read the guideIncome evidence
Self-employed mortgage income
Sole trader, partnership and limited company — SA302s are not a universal payslip.
Read the guideAffordability
Affordability and existing debts
Monthly commitments often kill the max loan before income does.
Read the guideDeposit sources
Gifted deposit for a mortgage
Donor relationship, living arrangements and source docs matter as much as the cash.
Read the guideLater life
Mortgage for older applicants
Age at term end and income into retirement — RIO is a different product family.
Read the guideIf you already have figures in mind, skip the reading. Sketch a payment or send the facts.