Mortgage FAQs answered simply.

No. Mortgage Advisor UK is a mortgage broker, not a lender. We help you explore mortgage options and guide you through the process.

No. Mortgage approval is never guaranteed. Applications depend on lender criteria, affordability, credit checks, property checks and your personal circumstances.

This depends on your income, commitments, credit profile, deposit and lender criteria. A mortgage adviser can help give you a clearer idea before you apply.

Common documents include proof of income, bank statements, ID, address history and deposit evidence. Self-employed applicants may also need accounts or tax calculations.

The deposit needed depends on the property price, lender criteria and your circumstances. A larger deposit may give access to more options.

An agreement in principle is an indication of what a lender may be prepared to lend, subject to checks, criteria and a full application.

Ideally before you begin viewing properties, so you understand your budget and can move quickly when you find the right home.

Many homeowners start reviewing options several months before their current deal ends to avoid last-minute pressure.

It may be possible, depending on your income, affordability, property value, existing mortgage balance and lender criteria.

You may move onto your lender’s standard variable rate, which could be higher than your current rate. It is worth reviewing your options before this happens.

Yes. Buy-to-let mortgages are usually assessed differently, often taking rental income, deposit size and landlord experience into account.

Potentially, yes. Some lenders may consider first-time landlords, but criteria can vary.

Some landlords use limited company structures for buy-to-let property. Whether this is suitable depends on your circumstances and should be discussed with professional advisers.

Yes, many self-employed people get mortgages. Lenders will usually want to understand your income, trading history and supporting documents.

You may need SA302s or tax calculations, tax year overviews, accounts, bank statements or contract evidence depending on your work type.

Yes. Lenders may look at salary, dividends, company accounts and sometimes retained profits depending on the lender.

It may be possible depending on the type of credit issue, how recent it was, whether it has been satisfied, your deposit and affordability.

Mortgage applications can involve credit searches. Speaking to an adviser first can help reduce unnecessary applications.

Not always. Some lenders may consider applicants with defaults or CCJs, depending on the details and overall circumstances.