03/03/2026
🏡 Did you know? Not all lenders will offer you the same mortgage amount.
One of the biggest misconceptions I hear is:
"I’ll just go to my bank — they’ll tell me what I can borrow."
The truth? 👇
💬 Every lender uses different affordability calculations.
That means:
One lender might offer you £210,000
Another might offer £235,000
And another could go higher (or lower!)
Why? Because they all assess things differently:
✔️ How they treat overtime & bonuses
✔️ How they calculate self-employed income
✔️ How they assess childcare or credit commitments
✔️ How they stress-test future interest rates
Your current bank isn’t automatically the most generous lender — or the most suitable one for your situation.
Sometimes they are the best option… but sometimes another lender can help you:
✨ Borrow more
✨ Borrow comfortably
✨ Or even secure a better rate
That’s why comparing options properly makes such a difference.
If you’re curious what different lenders would offer you (without impacting your credit score), drop me a message 📩
It could open up more options than you think.
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Your home may be repossessed if you do not keep up repayments on your mortgage.