Karl Lawton GHL Direct

27/10/2025

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your payslip isn’t the whole story.
Not even close.
When a lender assesses your mortgage, they don’t just glance at your “salary” and call it a day — they dissect every bit of income. Some counts fully. Some partly. Some not at all. And yes… every lender does it differently. Fun, isn’t it? (It is for me. 🙃)
What can count — and how it’s often treated
• ✅ Basic salary: gross (always), not net
• ✅ Second job: usually, if it looks sustainable
• ✅ Child benefit: accepted by some, ignored by others
• ✅ Commission: commonly averaged over ~3–12 months
• ✅ Annual bonus: typically need 1–2 years’ track record
• ✅ Regular overtime: often averaged, then annualised
• ✅ Car/travel allowance: anywhere from 50% to 100% counted
• ✅ Self-employed: profits matter — not turnover
• ✅ Ltd company directors: salary + dividends or profit-based routes
And then there’s borrowing caps. Some lenders top out around 4.5× income. Others will stretch to 5.5×–6× (even higher in niche cases). That gap can be the difference between “dream home” and “back to Rightmove.”
If you’ve got more than one income source — or income that isn’t plain vanilla — picking the right lender matters. That’s the bit I’m nerdy about.
Curious what your numbers look like?
Book a quick chat and I’ll map it out for you: https://calendly.com/karl-lawton/mortgageconsultation
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/10/2025

Frequently Asked Questions1. Who am I? I’m Karl Lawton, an experienced mortgage advisor at GHL Direct, specializing in helping first-time buyers, remortgagers, and property investors achieve their financial goals.2. What can I expect from this appointment? During our session, we’ll: Discuss your

22/10/2025

Great review from a new client

21/10/2025

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
🦷👩‍⚕️ Self-employed and working in healthcare? You might be able to get a mortgage sooner than you think.
Many doctors, dentists and other medical professionals assume they’ll need two or three years of accounts before a lender will consider them — but that’s not always the case.
At GHL Direct, we work with specialist lenders who understand your profession. They recognise that your qualifications, stability and earning potential carry real weight — even if you’ve only just gone self-employed.
That can mean:
✅ Mortgage options from day one of self-employment
✅ Enhanced income multiples
✅ Lower deposit routes
✅ Flexible underwriting for professional clients
Whether you’ve just opened your own practice or moved from NHS to private work, there are lenders ready to support your next move.
We’ve helped many newly self-employed professionals buy or invest far earlier than they expected — and we’d be happy to help you too.
💬 Let’s explore your options — your hard work deserves the right mortgage solution.
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GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 18/10/2025

20/10/2025

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
💼 Thinking about changing jobs but also planning to buy a home? 🏡
It’s one of the most common questions I get asked:
“Will starting a new job stop me from getting a mortgage?”
Here’s the reality 👇
✅ Payslips:
Most lenders like to see at least 2–3 months of payslips in your new role before they’ll approve a mortgage.
📄 Job offer or contract:
Some lenders are more flexible — if you’ve got a signed offer letter or contract (and a confirmed start date), that can sometimes be enough.
📊 Employment history:
If your new role is in the same industry or builds on your experience, that really helps. Lenders like to see a clear, stable career path.
💡 My tip:
If a job move is on the cards and you’re also thinking about buying, speak to a broker early.
The right advice can help you line things up — and choose a lender that’s comfortable with your situation before you make the move.
At GHL Direct, we help clients every week who are changing roles or just starting new jobs — and still getting their mortgage plans moving forward.
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GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 18/10/2025

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24/04/2024

Approved by The Openwork Partnership on xx/xx/###x

24/04/2024

GHL Direct is a trading style of GHL Network Services Ltd, an Appointed Representative of the Openwork Partnership, a trading style of Openwork Limited, authorised and regulated by the Financial Conduct Authority

04/08/2023

I deal with anyone who is looking for mortgage advice. I have many lenders ranging from high street to specialist lenders, with a personal touch.

I can deal with standard cases, cases out of the ordinary, leading up to the more complex and complicated cases. I have been a mortgage broker since 2000 and have the experience to guide you through the process.

I am self employed so I thoroughly understand anyone who has difficulty in getting a mortgage. This may be due to unusual pay routes such as LTD, Sole Trader to LTD, or even having Buy To Let properties in the background.

I currently have 5 Buy To Let properties myself, I understand and am educated with lender criteria into income, maximum exposure, HMO's, student let or just renting out to family members and understanding the regulation. I have a full time Personal Assistant and an Administration Department who will ensure all applications are carried through to completion, keeping clients informed every step of the way.

We also specialise in Debt Consolidation, Mortgage Protection and General Property Insurance, whether it be for a residential or Buy To Let property.

If you would like to have a no obligation chat, over the telephone, video conference or in person, please do not hesitate to contact me.

Contact us for details:
Karl Lawton GHL Direct

03/08/2023

Financial Advisors
Since GHL Network Services Ltd was established and authorised in 2009, our aim has been to develop long term relationships with our clients by providing a professional, friendly and reliable service.

Contact us for details:
Karl Lawton GHL Direct

03/08/2023

Welcome to GHL Direct
We pride ourselves on offering a first class and stress-free service to our customers when it comes to mortgage, insurance, pension and investment advice. We have some of the most qualified and experienced advisors in the industry. As a member of one of the largest networks in the UK, we have access to 1000s of mortgage and insurance products. We can even access deals that your own bank or building society may not offer you.

Contact us for details:
Karl Lawton GHL Direct

03/08/2023

https://mortgageandinsuranceadvice.co.uk/blog/protection-insurance/