CH Mortgages

CH Mortgages Experienced whole of market mortgage and protection brokers covering The Wirral, Chester & North Wales

Do lenders understand variable income?Bonuses. Overtime. Contract renewals.Variable income doesn’t mean unreliable incom...
09/06/2026

Do lenders understand variable income?

Bonuses. Overtime. Contract renewals.

Variable income doesn’t mean unreliable income. It just needs explaining properly.

If your income isn’t straightforward, that doesn’t mean your mortgage can’t be.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Can I get a mortgage with only one year’s accounts?This is one of the most common end-of-tax-year questions.In some situ...
04/06/2026

Can I get a mortgage with only one year’s accounts?

This is one of the most common end-of-tax-year questions.

In some situations, yes. It depends on the strength of your figures and your wider profile.

If this is your first full year self employed, it’s worth checking rather than assuming you need to wait.



Your home may be repossessed if you do not keep up repayments on your mortgage.

What are home buyers really searching for right now? 👀This month, we’re doing something a little different.We’ve been lo...
01/06/2026

What are home buyers really searching for right now? 👀

This month, we’re doing something a little different.

We’ve been looking at the most searched, most asked, and most worried-about mortgage questions online… and we’re answering them all.
The real ones.

The late-night Google searches.

The “I’m embarrassed to ask this” questions.

From:
• “How much can I borrow?”
• “Can I buy with 5% deposit?”
• “What if my credit isn’t perfect?”
• “Should I fix my rate now?”

No jargon.
No pressure.

Just clear, honest answers to help you feel more confident about your next step.

If you’re thinking about buying your first home this year, keep an eye on our posts — your question might be next 👇

And if there’s something you’ve been wondering about but haven’t asked yet… tell us below. We’re here for it.



Your home may be repossessed if you do not keep up repayments on your mortgage.

What costs should I budget for when moving?It’s not just the deposit.Solicitor fees, surveys, removals, stamp duty and m...
28/05/2026

What costs should I budget for when moving?

It’s not just the deposit.

Solicitor fees, surveys, removals, stamp duty and moving costs all add up.

Planning ahead reduces stress later.

If you’re starting to look, I’m happy to help you map it out.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Can I use retained profits for a mortgage?If you run a limited company, this question comes up a lot.Some lenders will c...
26/05/2026

Can I use retained profits for a mortgage?

If you run a limited company, this question comes up a lot.

Some lenders will consider retained profits. Some won’t.

Knowing which ones do can make a big difference to borrowing power.

If you’ve built up profits over the last tax year, it may be worth exploring.



Your home may be repossessed if you do not keep up repayments on your mortgage.

How much can I borrow as a contractor?It’s rarely a simple salary multiplier.Contract rates, day rates, retained profits...
21/05/2026

How much can I borrow as a contractor?

It’s rarely a simple salary multiplier.

Contract rates, day rates, retained profits and dividends all play a part. The structure of your income matters.

Understanding how lenders calculate contractor income can make a big difference to what’s possible.

If you’d like clarity, I’m here to help.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Is now a good time to move home?Spring often brings more properties to the market.But the real question is whether it’s ...
19/05/2026

Is now a good time to move home?

Spring often brings more properties to the market.

But the real question is whether it’s the right time for you.

If your family’s growing or your circumstances have changed, it may be worth reviewing your options before the busy season fully kicks in.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Spring is about progress, not perfection 🌸If home ownership is one of your goals this year, getting informed is the firs...
14/05/2026

Spring is about progress, not perfection 🌸

If home ownership is one of your goals this year, getting informed is the first step. You don’t need all the answers before you start.

We’re always happy to help you explore your options.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Can CIS workers get a mortgage?If you’re paid under CIS and worried lenders won’t understand your income, you’re not alo...
12/05/2026

Can CIS workers get a mortgage?

If you’re paid under CIS and worried lenders won’t understand your income, you’re not alone.

The good news is many lenders do work with CIS contractors. It’s about presenting your income correctly.

If you’re thinking of moving home this spring, it’s worth checking what’s possible before you start viewing.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Should I remortgage before my deal ends?If you’re an IT contractor and your fixed rate ends this year, timing matters.Yo...
07/05/2026

Should I remortgage before my deal ends?

If you’re an IT contractor and your fixed rate ends this year, timing matters.

You can often review your options 6 months before your deal finishes. That means less stress and more control.

A simple check-in now could give you clarity for the rest of the year.



You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

2A Victoria House
Birkenhead
CH435TH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 4pm
Saturday 9am - 5pm

Telephone

+447380495546

Website

Alerts

Be the first to know and let us send you an email when CH Mortgages posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to CH Mortgages:

Shortcuts

Share

Category