Mortgagability · Residential and buy-to-let
Guides for the mortgage conversation ahead
Nineteen short notes on what usually shapes residential and buy-to-let 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 CCJ
Satisfied or not, how big, how recent — and when it drops off after six years.
Read the guideAdverse 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 guideAdverse credit
After an IVA or bankruptcy
Ongoing vs discharged, under 3 / 3–6 / over 6 years, and how DMPs sit nearby.
Read the guideAdverse credit · Remortgage
Capital raise with adverse credit
Purpose of funds, pound-for-pound vs extra borrowing, and how LTV caps tighten.
Read the guideIncome evidence
Contractors, CIS, zero-hours and probation
Day rates, CIS packs, variable hours and probation — structure and history beat a headline figure.
Read the guideIncome evidence
Benefits or mixed income
Which award, how much of the total, and what else you earn usually shape the path.
Read the guideIncome evidence
Self-employed mortgage income
Sole trader, partnership and limited company — SA302s are not a universal payslip.
Read the guideIncome evidence
Mortgage with foreign income
Paid in another currency, working abroad or new to the UK — currency, country and contract shape the lender list.
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 guideFamily help
Joint borrower sole proprietor
Family on the mortgage but not the deeds — how JBSP works and the trade-offs to plan for.
Read the guideLater life
Mortgage for older applicants
Age at term end and income into retirement — RIO is a different product family.
Read the guideRepayment method
Interest-only and your repayment strategy
Lenders assess the plan to clear the balance, not just the lower monthly payment.
Read the guideProperty type
New build, ex-council and cladding
Flats in blocks, EWS1 forms and new build premiums — why the property can matter as much as you.
Read the guideProperty type
Leasehold: lease, ground rent and service charges
Years left on the lease, how the ground rent rises and what the service charge costs.
Read the guideRemortgage
Remortgage with Help to Buy
Coming off your first deal, facing equity loan interest, or repaying — the usual routes.
Read the guideBuy-to-let
Consumer vs investment buy-to-let
Accidental landlord, inherited home or investing on purpose — which set of rules applies.
Read the guideBuy-to-let
Portfolio landlords, HMOs and holiday lets
Four or more mortgaged lets, HMOs and holiday lets — how lenders look at the bigger picture.
Read the guideIf you already have figures in mind, skip the reading. Sketch a payment or send the facts.