Can I get a mortgage?

Each lender decides their own criteria for lending money. This means that some lenders might turn you down, while others may not. Lenders will generally look at the following factors when considering your application:

  • The amount you want to borrow
  • Your deposit
  • The kind of property you want to buy
  • Your employment status
  • Any debts you have
  • Your spending habits
  • Your credit rating
  • Whether the mortgage is affordable for you.