This depends on your income, financial commitments, and credit score. Lenders typically offer 4-5 times your annual salary.
A higher credit score can help you access better interest rates, while a lower score may result in higher rates or fewer lender options.
Yes, this is called porting. Some lenders allow you to transfer your existing mortgage deal to a new home.
Costs include your deposit, mortgage fees, solicitor fees, surveys, and stamp duty (if applicable).
You’ll need proof of ID, proof of income (payslips or tax returns), bank statements, and details of your outgoings.
It typically takes 4-8 weeks but may vary depending on your lender and how quickly required documents are provided.