Karl Lawton Mortgage Broker

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

17/10/2025

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
BTL puzzle… solved. 🔑
We’ve just secured a Buy-to-Let where Mum & Dad are directors of the Ltd company, but the sons hold the majority shareholding — and the mortgage is in Mum & Dad’s names. Tricky structure, lots of dead ends… then Kent Reliance to the rescue. 🙌
If you (or someone you know) are trying to finance a similar setup, I’m happy to take a look. Book a quick chat here: https://calendly.com/karl-lawton/mortgageconsultation
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 16/10/2025

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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

29/05/2024

21/05/2024

⭐⭐⭐⭐⭐

26/04/2024

26/04/2024

When it comes to critical illness insurance, if you wait until you need it, its probably too late. 💔 We’ll handle everything for you, from the quote, to the application, and everything in-between. Book a no obligation critical illness quote and protect your family from life’s unpredictable events. Life's unpredictable, your insurance shouldn't be. ➡️https://buff.ly/3vtB78D

24/04/2024

🏠💔 No Docs, No DIP: The Mortgage Broker's Dilemma 💔🏠

Imagine walking into a hospital for a heart operation, and the cardiologist says, "Let's skip the medical notes and dive right in!" Sounds alarming, right?

🚑❌Well, that's exactly how it feels for a mortgage broker trying to secure a Decision in Principle (DIP) without the necessary documents. Just as a cardiologist needs medical history to operate safely, a mortgage broker needs complete financial documentation to secure your mortgage pre-approval.

📑➡️🏡Why Documentation Matters: Accuracy in Assessment - Just as medical notes guide a surgeon's decisions, financial documents help brokers assess what you can afford, ensuring you get the right mortgage product.
Risk Management - Skipping documents in heart surgery increases health risks, just as missing financial docs can lead to inappropriate mortgage terms, impacting your financial health.

Compliance and Approval - Surgeons follow medical protocols for patient safety. Similarly, brokers follow lending guidelines to ensure your mortgage application is approved without hitches.

So, remember, No Docs, No DIP. Ensure you provide your mortgage broker with all necessary paperwork, just as you would expect a cardiologist to review your medical notes before surgery. Secure your financial health as you would your physical health!

Remember: YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. GHL Direct is a trading style of GHL Network Services Ltd, an Appointed Representative of The Openwork Partnership, authorised and regulated by the Financial Conduct Authority.
Approved by the Openwork Partnership 22/04/2024

🏡❤️

24/04/2024

Approved by The Openwork Partnership on 11/07/2025

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.