How much deposit do I need for a mortgage?

Most buyers aim for 5–10%. A bigger deposit (15–25%) can unlock better rates. For buy-to-let, lenders often want 25%+.

How long does it take to get a mortgage offer?

Typically 2–4 weeks from full application, sometimes 4–6 if the case is complex. Speed depends on documents, valuation, and solicitor checks.

What documents will a lender ask for?

Photo ID, proof of address, last 3 months of payslips and bank statements, proof of deposit, details of loans/credit cards. Self-employed/contractors: recent tax calculations/SA302s and tax year overviews (usually 1–2 years), or contract/day-rate evidence.

Can I get a mortgage if I’m self-employed or a contractor?

Yes. Lenders look at consistent income rather than just job type. With the right paperwork (accounts, SA302s, contracts), there are plenty of options.

What costs should I budget for besides the deposit?

Possible extras include lender fees (arrangement/valuation), broker fee (if charged), conveyancing/solicitor, survey, searches, Stamp Duty (if due), moving costs, and insurance.

Should I choose a fixed or a tracker rate?

Fixed gives payment certainty for a set period. Tracker can be cheaper at times but moves with the base rate. The right choice depends on your budget, risk tolerance, and plans.

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● Near you, No matter where you are
More than mortgages, we cover the whole journey

● Whole-of-Market
With access to over 90+ lenders

● 250+
5 Star Reviews

Who To Trust When Buying a House?

Everything You Think You Know About Deposits: Is Wrong!

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