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Most lenders will lend 4 to 5 times your combined household income, with some going to 5.5× or 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 £750,000 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.

From application to mortgage offer, expect 2 to 6 weeks. From offer to completion, another 6 to 10 weeks depending on the chain and your solicitor. Remortgages with your existing lender (a product transfer) can sometimes complete in days. We'll set realistic expectations on day one.

There's no broker fee for residential mortgages and remortgages of £100,000 and above. For mortgages below that threshold, or more complex cases (buy-to-let, adverse credit, shared ownership), a fee may apply. We'll tell you upfront before you commit to anything.

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.