The amount you can borrow is subject to affordability assessments and your credit status. Several key factors affect the amount you can borrow, such as:

• Your age – Borrowing closer to retirement may reduce the loan amount available.
• Regular financial commitments – Existing expenses and outgoings.
• Income structure – Whether you receive a fixed salary, salary plus bonus, overtime, or commission.
• Employment type – Whether you are employed or self-employed.
• Deposit amount – The size of your deposit can impact lending terms.
• Lender criteria – Each lender has specific affordability and risk assessment policies.

With access to the entire mortgage market and a deep understanding of lenders’ criteria, we are well-equipped to help you secure the most suitable mortgage for your needs.