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Work out how much you can borrow based on your income and deposit size.
The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.
While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.
Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.
The mortgage application process can vary depending on your situation and chosen lender.
Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.
This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.
Getting a mortgage with bad credit can be more challenging, but it’s not impossible.
Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).
Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.
To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.
Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.
Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.
As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.
We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.
Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.
Our Customers Love Us
67 5 Star Reviews
Ashlynn Hudson-Welburn
Chris Wardill was fantastic. Took all the stress out of the process, advising us and doing a significant amount of the admin and research that our house buying endeavour required. He was very amicable and knowledgeable, and made the process very straightforward for us.
20 Sep 2026
Jenny
Alex, my adviser, provided a very helpful and friendly service throughout my mortgage application. Communication was excellent, and I was kept fully informed of the progress at every stage. I genuinely think that Alex wants to find the best deal for his customers and was willing to put in the time and effort to achieve this. He was also flexible with appointments and phone calls, working around my availability, which made the process easier. I would definitely recommend Alex to anyone looking for a knowledgeable, helpful and approachable mortgage adviser.
3 Sep 2026
Chris Hall
We had excellent service from YorkMoneyman. From start to finish. Conor.Paula and Jo did a really great job for us. Explained everything so well and got us the deal we required quickly . Won't hesitate to use them again.
28 Aug 2026
Kirsty Ribeiro
Fantastic service with MoneyMan and specifically Chris and Jo We have used them since being first time buyers and remortgaging, and now with moving house They are very professional, friendly and helpful, they explain everything in plain English and answer all our questions quickly and have helped explain everything every step of the way, and made it very clear everything that is needed and why and all our options and the pros and cons of each I have recommended Moneyman to friends and family and will continue to use them again and again in the future
19 Aug 2026
Alasdair Hamilton
I haven't given 5 stars because I don't believe that anything is perfect. But I can say that I received excellent service and great communication. Our house purchase was not straightforward but the mortgage application was made simple.
29 Jun 2026
Hannah Ellam
jade and joe were great - super helpful and made the process easy for us as first time buyers:)
29 Jun 2026
Marvin van Schalkwyk
Dan was helpful, professional, and explained every step on our application clearly.
9 Jun 2026
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Helpful Guides
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Read our 214 Reviews
Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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