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Most lenders will lend 4 to 4.5 times your combined household income, with some going higher for stronger earners. With two solid incomes (say a couple on £80k and £70k), you're typically looking at borrowing capacity of around £600,000 to £675,000, and sometimes more, depending on outgoings, deposit, and credit. We can give you a precise figure on a free call.

It varies a lot. Some lenders take 100% of regular bonuses, some take 50%, some ignore them entirely. Stock and RSU income is similar: accepted by some, ignored by others. Knowing which lender to approach for your income mix is one of the things a whole-of-market broker is genuinely useful for.

Yes, that's a common picture in North London. One employed PAYE, one self-employed or contracting, one with bonus-heavy income. We work across all of it. The job is matching your specific income mix to the lenders who view it most favourably.

Yes. We work with lenders who understand sole trader profits, partnership share, Ltd company salary plus dividends, and retained profits inside the business. Most want 2 years of accounts or SA302s, but a few will work with 1 year. We'll find the right one for your set-up.

Yes. We're based in Edgware and work regularly with clients buying in Barnet, Finchley, Mill Hill, Hendon, Muswell Hill, Enfield and across Hertfordshire. Knowing realistic price ceilings and which lenders are comfortable with each area helps the application go smoothly.

Buying a home? Typically 12 to 16 weeks from offer accepted to completion, depending on the chain and your solicitor. Remortgaging to a new lender? Typically 4 to 8 weeks from application to completion. Remortgages with your existing lender (a product transfer) can sometimes complete in days. We'll set realistic expectations on day one.

For a purchase, ideally before you're house-hunting seriously. Knowing your real borrowing capacity stops you wasting time on properties out of reach. For a remortgage, six months before your fixed rate ends. For both, the call is free and there's no obligation, so earlier is almost always better.