Mortgage guides by borrower type
Different mortgage situations need different lenders. Use these guides to understand what may apply to you, then request a callback from a mortgage adviser.
First-Time Buyer Mortgages
Deposit, affordability, schemes and documents explained.
Remortgage
When your fixed deal ends, how to compare, and what to consider.
Self-Employed Mortgages
Sole trader, contractor and Ltd director income assessments.
Buy-to-Let Mortgages
Landlord lending criteria, rental cover, and SPV options.
Bad Credit Mortgage Options
Defaults, CCJs, IVAs and how specialist lenders assess applications.
Contractor Mortgages
Day-rate income, gross annualised contracts, and lender approach.
Ltd Company Director Mortgages
Salary + dividends, retained profit, and how lenders interpret income.
Over-50s Mortgages
Lending into retirement, RIO and later-life mortgage options.
Joint Borrower Sole Proprietor
Parents or family can boost your borrowing without going on the deeds.
Shared Ownership Mortgages
Buy 25–75% of a property, pay rent on the rest, staircase over time.
Help to Buy & Government Schemes
What's still available in 2025: LISA, Shared Ownership, First Homes, Mortgage Guarantee.