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How Do I Qualify for a Mortgage? An In-Depth Guide

Qualifying for a mortgage

If you’re like a lot of our customers, the prospect of buying a property is both exciting and a bit intimidating. One of the most significant steps in the property buying process is obtaining a mortgage, which can feel like a daunting task. In this guide, we’ll take you through the key factors that lenders consider when you apply for a mortgage. Understanding these elements — including income multiples, affordability, credit score, employment history, and debt-to-income ratio — will help you navigate this process with confidence.

Should I use a Mortgage Broker or go direct to my Bank?

mortgage broker at the bank

One of the first questions we are often asked is ‘what’s the difference between using a Mortgage Broker, like HLC or going direct to my own bank?’. Well, the simple answer is that there are several differences between banks and brokers, and which you choose to use is an entirely personal decision, based on what works best for you or provides the best deal for you.

First-Time Buyers

The world of mortgages can seem incredibly daunting especially if you are young and fabulous (there are a lot more interesting things to be getting on with!). Is it the terminology used? Is it the media outlets? Or is it the dreaded ‘computer says no’ that we often hear from banks? If you feel slightly baffled by all the information currently flooding the market, then take a read, this may enlighten you.