Exe Mortgages Ltd

06/08/2026

"I earn a good salary… so why can't I borrow as much as I expected?"

It's one of the questions we hear often.

The truth is, mortgage affordability is about much more than your income. Lenders also look at things like your regular spending, existing commitments and how your finances might cope if circumstances change.

That's also why one lender could be willing to lend considerably more than another.

If you've ever wondered how lenders decide what you can borrow, our latest article explains it in plain English, covering:
🏡 What mortgage stress testing is.
💷 Why your monthly spending matters.
📊 Why different lenders reach different decisions.
✅ What it all means if you're planning to buy or remortgage.

Take a look here:

If you've recently started to explore getting a mortgage, you may have found that borrowing isn't always as straightforward as you expected.

05/08/2026

What's the biggest mortgage myth you've heard? 🤔

We'll start... "If one lender says no, they all will."

In reality, every mortgage lender has its own affordability criteria and lending policy. That's why two lenders can sometimes reach very different decisions based on exactly the same application.

The same is true for:
🏡 How self-employed income is assessed.
💷 Overtime and bonus income.
👨‍👩‍👧 Household expenditure.
📊 Maximum borrowing amounts.

Understanding how lenders assess affordability can make the mortgage process feel much less daunting.

Over to you...

What's the biggest mortgage myth you've heard, or perhaps even believed yourself?

Share it in the comments. We might feature some of the most common ones in a future post 👇

01/08/2026

Could overpaying improve your next remortgage? 🤔

Mortgage overpayments don't just reduce your outstanding balance. They may also improve your loan-to-value (LTV) ratio over time 📉

A lower LTV could mean access to a wider range of mortgage products when it's time to remortgage, although this will depend on factors such as your property's value, your circumstances and the products available at the time 💸

It's one of the lesser-known benefits of overpaying and another reason why many homeowners choose to review their options before their current deal ends.

Keen to learn more? Contact our team to get started 🤳📩

30/07/2026

Should you overpay your mortgage or build your savings instead?

It's a question many homeowners are asking, especially while savings rates remain competitive and mortgage costs continue to be a key household expense. But, the answer isn't as simple as "one is better than the other."

In our latest article, we explore:
• The potential benefits of mortgage overpayments
• When building savings could make more sense
• How offset mortgages fit into the picture
• The questions you may want to consider before deciding

If you're weighing up your options, it's a useful guide to understanding the factors involved.

📖 Read the full article here:

For many homeowners, having a little extra money left at the end of the month raises an important question: is it better to put it towards your mortgage or build your savings?

29/07/2026

If you have money left over each month, where does it go?

💷 Into your mortgage?
💰 Into your savings account?

Many homeowners assume overpaying their mortgage is always the better financial decision. In reality, it's a little more nuanced than that. Especially when personal circumstance is taken into account.

Current savings rates, your mortgage interest rate, access to emergency funds and even your future plans can all influence which option may be more appropriate.

Rather than looking for a one-size-fits-all answer, it's worth understanding the pros and cons of both approaches before making a decision.

Talk to one of our experts to learn more:
🔗www.exemortgages.co.uk
📞01404 813050
📧[email protected]

26/07/2026

"I earn well, but I got declined for a mortgage."

We hear this more often than you'd think. Usually from contractors, company directors, or bonus-heavy earners who assumed their income would speak for itself.

Here's the truth: it's rarely about how much you earn, it's about whether the lender you applied to actually understands how you earn it.

That's the gap a whole-of-market broker like Exe Mortgages closes. We work with lenders who specialise in exactly these situations, so your income gets assessed properly, not dismissed because it doesn't fit a standard form.

If you've been declined, or you're worried you might be, let's talk before you find out the answer is no.

23/07/2026

Bonus-heavy income? Dividends instead of salary? A day rate instead of a payslip?

If your earnings don't look "standard" on paper, a lot of mainstream lenders may underestimate what you can actually borrow. Sometimes by hundreds of thousands of pounds!

We've broken down five real-world scenarios where complex income trips up high-street lenders, and how the right advice changes the outcome. 🔗 Read it here: https://www.exemortgages.co.uk/navigating-mortgages-for-complex-income/

Whatever your income looks like, Exe Mortgages can help you find lenders who'll actually understand it. Contact us for help getting started.

🔗www.exemortgages.co.uk
📞01404 813050
📧[email protected]

For a growing number of with borrowers with complex income, they simply don't fit the mould of high-street lenders' tick-box criteria. This can turn a straightforward purchase into a frustrating dead end.

21/07/2026

Applying to the wrong mortgage lender could get you turned down.

That's because they may not be the right fit for your situation. If you're a contractor, business owner, or bonus-heavy earner planning to buy or remortgage this year, lender appetite and criteria shift constantly. What one lender rejects today, another may accept tomorrow, but only if you know where to look.

Don't let a "computer says no" from one lender put you off. Speak to Exe Mortgages before you apply anywhere else, and find out what you're really eligible for.

🔗www.exemortgages.co.uk
📞01404 813050
📧[email protected]

16/07/2026

Could someone help you buy a home without owning it? 🤔

Many people assume that if someone helps with a mortgage, they also have to own part of the property, but that's not always the case.

A Joint Borrower Sole Proprietor (JBSP) mortgage allows certain people to support a mortgage application without becoming a legal owner. It's an option that's becoming increasingly popular with first-time buyers, but there are plenty of misconceptions about who can be a joint borrower.

Can it be a parent? A sibling? A partner? A friend?

In our latest article, we explain:
🏡 Who can typically be a joint borrower
💷 How lenders assess eligibility
📋 What responsibilities a joint borrower has
🔑 Whether they can be removed from the mortgage later

If you're considering buying a home with financial support from a loved one, it's worth understanding how a JBSP mortgage works before making any decisions.

Read the full article here:

A Joint Borrower Sole Proprietor (JBSP) mortgage can make homeownership more accessible for people who may not be able to borrow enough on their own.

14/07/2026

How do you help your child buy their first home without triggering an extra £19,500 in Stamp Duty? 🤔

This was the challenge one family came to us with. Their child was studying full-time for a Master's degree, had saved a deposit, but lacked suitable income to satisfy standard mortgage affordability.

The parents wanted to help, but buying the property jointly would have meant paying the higher rates of Stamp Duty Land Tax (SDLT) because they already owned a home.

Keen to see how we found a solution? Read the full case study here: https://www.exemortgages.co.uk/joint-borrower-sole-proprietor-first-time-buyer/

Every family's circumstances are different, and mortgage solutions should always be tailored to individual needs. If you're wondering how you could help your children onto the property ladder without creating unnecessary tax costs, get in touch to discuss what options might be available to you.

🔗www.exemortgages.co.uk
📞01404 813050
📧[email protected]