Mortgage Affordability Guides
Free, in-depth guides to help you understand how mortgage affordability works in the UK and how to maximise your borrowing potential.
How Mortgage Affordability Is Calculated in the UK
A complete guide to income multiples, stress testing, and how lenders decide how much to lend you. Updated for 2026.
Why Different Lenders Offer Different Mortgage Amounts
The same borrower can be offered amounts that vary by £50,000 or more. Find out why and what it means for you.
Mortgage Affordability for Self-Employed
How lenders assess sole traders, limited company directors, and contractors. Why checking multiple lenders is especially valuable.
Buy-to-Let Mortgage Affordability Explained
ICR calculations, stress rates, portfolio landlord rules, and how different BTL lenders assess affordability.
Mortgage Affordability in 2026: What Has Changed
The latest base rate changes, LTI limits, and how lender stress testing has evolved in 2026.
First Time Buyer Mortgage Affordability
FTB-specific higher income multiples, stamp duty relief, deposit strategies, shared ownership, and how to check your personalised figure across 60+ lenders.
Joint Mortgage: How Much Can You Borrow Together?
How lenders combine incomes differently, JBSP options for parents helping, what to do if one applicant has bad credit, and checking joint affordability.
Do Lenders Count Overtime, Bonus and Commission?
How different lenders treat overtime (100%, 50%, or ignored), bonus income, commission roles, and why this can mean £50,000+ difference in borrowing.
How Debt Affects Your Mortgage Affordability
Credit cards, car finance, student loans, and BNPL — how each type of debt reduces your borrowing and strategies to improve your position.
Remortgage Affordability in 2026
1.8 million fixed rates expiring this year. Stress testing differences, capital raising, product transfers vs full remortgage, and mortgage prisoner options.
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