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Mortgage Affordability Explained

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Affordability is the number one factor that will determine whether you qualify for a mortgage, but since mortgage lenders across the market have different ways of calculating it, your borrowing potential can be difficult to gauge.

But the good news is that there’s help available! Read through our article on mortgage affordability below to get a firm idea of how much you could potentially afford to borrow and where to find a mortgage broker who can help you maximise your borrowing capacity.

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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