uk-finance

Zero Hours Contract Mortgage UK 2026: How to Get a Mortgage on Variable Hours

Zero hours contract workers can get a mortgage in the UK but face additional income verification requirements. This guide covers how lenders assess variable hours income, which lenders are most flexible and how to build the strongest possible application.

6 Jun 2026 View & bid →

Day Rate Contractor Mortgage UK 2026: How Annualised Day Rate Income Is Used

Day rate contractors can have their income assessed by annualising their daily contract rate rather than using accounts. This guide covers which lenders use the day rate method, how the calculation works and what documentation is needed.

6 Jun 2026 View & bid →

Director Mortgage UK 2026: How Limited Company Directors Are Assessed for Mortgages

Limited company directors often draw low salaries and take profits as dividends, which can affect mortgage affordability calculations. This guide covers how lenders assess director income, which methods produce the best outcome and what documents are required.

6 Jun 2026 View & bid →

Sole Trader Mortgage UK 2026: Income Assessment, Documents and Lender Criteria

Sole traders applying for a mortgage are assessed on net profit rather than turnover. This guide covers how lenders verify sole trader income, which documents are required and how to present a sole trader mortgage application effectively.

6 Jun 2026 View & bid →

Freelancer Mortgage UK 2026: How to Get a Mortgage When Income Varies Month to Month

Freelancers with variable monthly income can still get a mortgage in the UK, but lenders assess income differently than for salaried employees. This guide covers how lenders average freelance income, what documents are needed and which lenders are most flexible.

6 Jun 2026 View & bid →

Contractor Mortgage UK 2026: How Lenders Assess Contract Income for Mortgages

Contractors can face challenges getting a mortgage when lenders assess income in the standard way. This guide covers contractor-friendly lenders, day rate income assessment methods and the documentation required for a contractor mortgage in the UK.

6 Jun 2026 View & bid →

Mortgage After IVA UK 2026: Getting a Mortgage Following an Individual Voluntary Arrangement

An IVA (Individual Voluntary Arrangement) does not permanently prevent getting a mortgage. This guide covers how long an IVA stays on the credit file, when lenders will consider applications and what deposit and rate to expect after an IVA.

6 Jun 2026 View & bid →

Mortgage After Bankruptcy UK 2026: When You Can Apply and Which Lenders Consider It

Bankruptcy does not permanently prevent getting a mortgage in the UK. This guide covers when you can apply after bankruptcy, which specialist lenders consider discharged bankrupts and what deposit and rate to expect.

6 Jun 2026 View & bid →

Mortgage With Defaults UK 2026: How Lenders Assess Defaulted Accounts

Having a default on your credit file does not automatically prevent getting a mortgage in the UK. This guide covers how lenders assess defaults, the difference between satisfied and unsatisfied defaults and which specialist lenders consider default applications.

6 Jun 2026 View & bid →

100 Percent Mortgage UK 2026: No Deposit Options and How They Work

A 100% mortgage requires no deposit from the borrower. This guide covers the limited availability of no-deposit products in the UK in 2026, how family-assisted 100% mortgages work, the risks involved and which lenders offer them.

6 Jun 2026 View & bid →

95 Percent Mortgage UK 2026: 5% Deposit Products, Rates and Eligibility

A 95% mortgage allows buyers to purchase with just a 5% deposit. This guide covers which lenders offer 95% LTV products, how they are priced, government support schemes and the risks of high LTV borrowing in the UK.

6 Jun 2026 View & bid →

Gifted Deposit Mortgage UK 2026: Rules, Lender Requirements and Gift Letter Template

A gifted deposit uses funds given by a family member to make up part or all of the mortgage deposit. This guide covers lender requirements, the gifted deposit letter, anti-money laundering checks and what to do if the gift has conditions attached.

6 Jun 2026 View & bid →

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