OpenDoor Mortgages

OpenDoor Mortgages 🏡 Getting Peterborough & UK buyers mortgage-ready
⏱ No jargon. No stress. Clear advice, saving you time
🎓 30+ yrs in property, we teach, not sell

10/06/2026

CIS mortgage myth
CIS income, mortgage, day rate, borrowing

Being on CIS does not mean you cannot get a mortgage.

The issue is not your income
it is how it is assessed.

Some lenders ignore it
others completely undervalue it

But the right lender can use your gross income or day rate
which can massively increase what you can borrow

If you have been told no before
you may have just spoken to the wrong person



09/06/2026

No normal payslip? That does not mean no mortgage.

When you are self employed, your income does not always fit neatly into a box.

One year may be stronger than another.

Your accountant may have helped reduce your tax bill.

And on paper, it can suddenly look like you earn in buttons.

But lenders do not all assess self employed income in the same way.

Some may look at salary and dividends.

Some may consider net profit.

Others may be able to take retained profit into account, depending on your circumstances.

The important thing is to understand your figures before you submit a full mortgage application.

Check which income may be used, what paperwork is needed, and which lender may be more comfortable with the way your business actually works.

Being self employed is not necessarily the problem.

You may simply need the right mortgage advice.

Message me SELF EMPLOYED and I will help you understand what a lender may look at.

09/06/2026

FIXED YOUR MORTGAGE RATE RECENTLY?

Banks are reducing mortgage rates again.

That means the deal you secured a few weeks ago might no longer be the best one available for your circumstances.

You have not done anything wrong. Rates move, lenders adjust their pricing, and better options can become available before your new mortgage even starts.

It is worth checking now rather than assuming the deal you originally secured is still the right one.

Reach out to us and we will review it for you.

08/06/2026

Only got one year’s accounts?

Starting your own business is a big step.

But when it is time to apply for a mortgage, it is easy to assume that you will need to wait years before a lender will take you seriously.

That is not always the case.

Some lenders may consider a mortgage application with just one year’s accounts, depending on your full circumstances.

They may want to understand what your business does, how stable your income appears to be, what your figures show, how much deposit you have, and whether the overall application makes sense.

The important thing is not to assume.

Check your accounts, bank statements, income pattern, deposit, and paperwork before you apply.

Once you understand which lenders may be open to your situation, you will know whether you are ready to move forward or whether there are areas worth improving first.

Message me SELF EMPLOYED and I will help you understand what lenders may look at.

07/06/2026

Went to Hitchen’s Barn in Oakham for dinner on Friday night and, once again, it was ridiculously good.

The asparagus soup was superb. I then had the boring chicken dinner because I’m on a diet, but the sauce was absolutely insane. I had to physically stop myself from licking the plate. Apparently, that sort of behaviour is frowned upon in posh restaurants.

Never disappointed. Always blown away.

Carlsberg don’t make restaurants, but if they did, it would be Hitchen’s Barn.

06/06/2026

Your bank said no. That does not mean every lender will.

It is easy to assume that your own bank knows you best.

They can see your account. They know your history. You may have banked with them for years.

But mortgages do not work like that.

Every lender has its own rules around income, paperwork, credit history, affordability, and how your application needs to fit its criteria.

Your bank may not like your income type.

They may not understand your paperwork.

Their system may simply not be designed for your circumstances.

That does not automatically mean you cannot get a mortgage.

It may just mean you have asked the wrong lender.

Before giving up, find out why the bank said no, what income may be used, which documents are needed, and whether another lender may look at your situation differently.

Message me BANK if your bank has declined your mortgage application or offered you less than you expected.

04/06/2026

Do not fall in love with a house too early.

Finding your dream home is exciting.

Finding it before you properly understand your mortgage position can be heartbreaking.

Online calculators are useful for a rough starting point, but they do not tell the full story.

A lender will look at your income, debts, deposit, credit file, monthly commitments, and paperwork before deciding how much they may be willing to lend.

That is why it is important to check your mortgage position properly before you start seriously viewing houses.

You need to understand what income may be used, which documents you will need, what could cause a problem, and what price range is genuinely realistic.

Once that is done, you can view properties with confidence.

And when you find the house of your dreams, you will be in a much stronger position to actually buy it.

Message me CHECK and I will help you understand your mortgage position before you start viewing.

03/06/2026

Mortgage myth busted.
You do NOT need perfect credit.

Missed payments, old blips, life getting in the way, these things don’t always stop a mortgage.
It usually just means the wrong lender, not the wrong person.

Credit history, lender criteria, mortgage myths, broker expertise, real options



02/06/2026

You can afford it, so why is the bank saying no?

Being comfortable with the monthly payments does not always mean a lender will approve your mortgage.

Lenders need evidence. They need to understand exactly what income you receive, which parts of that income they can use, and how it should be proven.

This can become particularly confusing when you have bonuses, overtime, commission, self employed income, dividends, or multiple income streams.

The good news is that your income may not be the problem.

You may simply need a lender whose mortgage criteria suit your circumstances.

Before applying, make sure you understand what income can be used, how it needs to be evidenced, and which lender is more likely to view your application positively.

Message me INCOME and I will help you understand what a lender may actually look at.

01/06/2026

📢 "Declined for a mortgage? That’s not the end of the story"

Just because a bank said no doesn’t mean it’s game over.
Lenders all have different rules, criteria, and appetites for risk.
Self-employed? Patchy credit? Unusual income?
We work the whole market, not just the high street names.
So if you've been declined, don’t panic.
The issue might not be you, it might just be the lender.

Let’s find someone who says yes.



Address

Unit 8A, Cygnet Park, Cyrus Way
Hampton
PE78HP

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