Can I get a mortgage?

As we have access to the whole market place with Elamo the answer is almost always YES.

To help you determine which lenders or products are most suitable for you  however we will need to verify the following:

AMOUNT TO BORROW - we would need to know how much you think you would like to borrow

PROPERTY VALUE & YOUR DEPOSIT - we will need to know the approximate property value. How much your deposit is and supply evidence of how you got it

YOUR INCOME & EMPLOYMENT - a solid, consistent and provable income

YOUR AGE - as this impacts the length of time the loan can be taken over and affordability of the monthly payments

YOUR DEPENDANTS - the number of any children or financial dependants you have, as this impacts the level of disposable income available for mortgage payments

YOUR ADDRESSES & CREDIT HISTORY - issues such as CCJs, IVAs, bankruptcies and loan defaults will invariably restrict your chances with many lenders and could affect the rate you pay

YOUR EXISTING COMMITMENTS, DEBT AND OUTGOINGS - lenders will need to make sure it's affordable so may deduct monthly payments of any existing credit commitments you have from your income before applying their income multiple or affordability calculations