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Yes Financial Services

Yes Financial: Your UK wide Mortgage Advisors.

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02/09/2026

🏠 Thinking about a buy-to-let mortgage?

Not sure what lenders will actually look at when you apply?

Our latest guide breaks down the key things landlords need to know — from how affordability is assessed to the practical factors that could make or break your application.

And because real life isn’t always straightforward, we also cover what happens when your circumstances don’t fit neatly into a box.

If you’re considering a buy-to-let mortgage and want to understand the process before you commit, this guide is a great place to start.

👉 Get the clarity you need and take some of the stress out of the process.

https://yesfs.com/news/?post=buy-to-let-mortgages

01/09/2026

🏡💷 **Want to increase your mortgage borrowing power?**

It’s not *just* about how much you earn. 👀

Lenders look at your **affordability, financial commitments, credit history and overall circumstances** when deciding how much they’re prepared to lend.

✨ In our latest guide, we share **8 practical ways to strengthen your mortgage position**, including:

✅ Improving your overall financial picture
✅ Making the most of your income
✅ Managing credit and commitments
✅ Understanding how lenders assess affordability
✅ Presenting your circumstances in the right way
✅ Avoiding common mistakes that could reduce your borrowing potential

And if you’re **self-employed, have experienced credit issues, have been declined before, or your circumstances don’t fit the “standard” box**, it can be even more important to know how lenders actually assess your application. 🔍

💡 The right approach can make a real difference — it’s about understanding what lenders are looking for and putting your application forward in the strongest possible way.

📖 **Read our latest guide and discover 8 ways you could strengthen your mortgage position.**

👉 Don’t assume you can’t borrow more until you’ve explored your options!

https://yesfs.com/news/?post=ways-to-boost-borrowing-power

28/08/2026

🏡 **Joint Mortgage or Sole Mortgage — Which Is Right for You?** 🤔

Choosing between a **joint or sole mortgage** can be more complicated than you might think — especially if you have **non-standard income, credit history concerns, or a more complex financial situation.**

💡 The right mortgage structure can make a BIG difference to:
✅ Affordability
✅ Lender eligibility
✅ How your income is assessed
✅ Your borrowing potential
✅ Your long-term financial position

In our latest guide, we break down the **key differences between joint and sole mortgages** in plain English, helping you understand your options and make an informed decision — rather than simply guessing which route will work. 🔍

💬 **Been declined before? Have a complicated income? Or just unsure how lenders will assess you?**

You may have more options than you think. 🙌

📖 **Read our latest guide to find out which mortgage structure could be the best fit for you, your income and your next move.**

📲 **Need help understanding your options? Get in touch with the Yes Financial team today.**

https://yesfs.com/news/?post=joint-versus-sole-mortgages

27/08/2026

🏡 Mortgage criteria can feel like a maze… 😵‍💫

Especially when your situation isn’t perfectly “textbook”! 📚

That’s why we’ve put together a clear UK mortgage lender criteria checklist ✅ — so you can understand what matters and how lenders typically assess risk, affordability and eligibility.

Whether you’re:
👋 A first-time buyer
💼 Self-employed
📉 Dealing with imperfect credit
🧩 Managing a more complex mortgage case

…it’s designed to help you prepare properly and avoid unnecessary surprises.

✨ The better prepared you are, the more confident you can be when approaching lenders.

📋 Want to improve your chances and know what lenders are looking for? This checklist is definitely worth a look! 👀

https://yesfs.com/news/?post=lender-criteria-checklist-uk-mortgages

26/08/2026

💷 **Can you get a mortgage if you earn commission?**

If your income includes commission, you might be wondering whether lenders will accept it when assessing your mortgage application. 🤔🏡

The good news? **Commission income can often be considered** — but lenders will look at things like:

📊 How consistent your commission is
📅 Your income history
💼 Your employment and pay structure
📄 The evidence you can provide
💷 How much of your commission the lender will use

If your income varies from month to month, it’s important to understand how a lender may assess it **before you apply**.

Our latest guide breaks down how commission income is assessed and what you may need to evidence, helping you understand your options and put yourself in the strongest position possible. 💪

🏡 **Not sure how your commission income will affect your borrowing?** Speak to a mortgage adviser who can look at your individual circumstances and help you understand what may be achievable.

https://yesfs.com/news/?post=do-lenders-accept-commission-income

25/08/2026

🏡 **Residential or Buy-to-Let Mortgage? What’s the Difference?** 🏠

Choosing between a **residential mortgage and a buy-to-let mortgage** can feel confusing — especially when you’re trying to understand the costs, affordability and what lenders will look at. 🤯

📚 Our latest guide breaks down the **key differences in plain English**, including:

💷 How the costs can differ
📊 How lenders assess affordability
🏦 What criteria you may need to meet
🏠 When a residential or buy-to-let mortgage could be more suitable
🔑 What to consider if you’re buying a second property or becoming a landlord

Whether you’re an experienced investor, buying your second property, or simply unsure which route is right for you, understanding the details **before you apply** can make a big difference. ✅

👉 Take the stress out of the decision and get the clarity you need before making your next move!

📩 **Need help understanding your mortgage options? Get in touch with our team.**

🏡💷

https://yesfs.com/news/?post=residential-versus-buy-to-let-mortgages

24/08/2026

🏡💷 **Can overtime boost your mortgage application?**

The short answer? **Yes — but it’s not always as simple as adding your overtime to your basic salary!** 👀

Mortgage lenders will usually look at things like:

📌 How regular your overtime is
📊 Whether it’s consistent over time
🧾 What your payslips and P60 show
🔍 Whether the income can be verified
🏦 The individual lender’s criteria

Some lenders may use **100% of your overtime**, while others may only take a percentage — and some may want to see a longer track record before including it in affordability.

So, if your payslips don’t tell the full story, **don’t assume you won’t be able to borrow as much as you need.** 🙌

Our latest guide breaks down how overtime is typically treated by mortgage lenders and what evidence you may need to provide.

💡 **The right lender can make all the difference when your income isn’t completely straightforward.**

👉 Read the guide and find out how your overtime could impact your borrowing power.

🏠💷

https://yesfs.com/news/?post=can-overtime-count-towards-mortgages

21/08/2026

Your credit score can sometimes feel like a mystery box when you’re trying to get a mortgage 🏡🔍 — especially if your financial history isn’t perfect.

But here’s the good news: it’s not always as simple as a tick-box exercise. ✅

Our guide explains what mortgage lenders really look at when assessing your application, including how they consider your overall circumstances, affordability and risk.

Had a CCJ, default, gaps in employment, or are you self-employed? 👀 You’re not alone and there may still be options.

At Yes Financial, we break down the process in plain English, giving you the clarity, confidence and practical reassurance you need to know what to focus on next. 💡🙌

📖 Read our guide, understand your options and make a plan for your mortgage journey with confidence.

🏡

https://yesfs.com/news/?post=credit-score-mortgage-guide

20/08/2026

🏡 **How many payslips do you actually need for a mortgage?** 💷

One of the most common questions we get is: **“How many payslips will the lender want?”** 🤔

The answer? **It depends!** 👀

Different lenders have different requirements, and the evidence needed can vary depending on your income type — especially if you’re **self-employed, a contractor, have multiple income streams or receive additional payments.**

📋 In our latest guide, we cover:

✅ How many payslips lenders typically ask for
✅ What counts as acceptable income evidence
✅ How requirements can vary between lenders
✅ What happens if your income isn’t straightforward
✅ What to do if you’ve been declined before
✅ How to approach affordability with confidence

🚨 **Been rejected for a mortgage before?**
Don’t automatically assume you’re out of options. The right lender for your circumstances could make all the difference.

Our guide gives you the **practical, straightforward information** you need to understand your options and feel more confident about your mortgage journey. 🔑🏠

📲 **Read the full guide and find out what lenders really need from you.**

https://yesfs.com/news/?post=how-many-payslips-for-mortgage

19/08/2026

🏠 **Been declined for a mortgage because of a default? Don’t assume your homeownership journey is over.**

Having a default on your credit file can make getting a mortgage more challenging — but it **doesn’t automatically mean you’ll be rejected.** 🚫

Our latest guide explains:

🔍 How defaults can affect your mortgage application
💷 What lenders look at when assessing affordability
📅 Why the age and status of a default can matter
📈 Steps you can take to improve your chances
🏦 The types of lenders that may consider more complex credit histories
✅ What your **realistic options** could be

If you’ve been turned down before, have a default on your credit file, or you’re worried your credit history will stand in the way of buying a home, this guide is for you.

No false promises. No sugar-coating. Just **clear, practical advice to help you understand your options.** 💙

📲 **Think a default means you can’t get a mortgage? It may be worth exploring your options before giving up.**

https://yesfs.com/news/?post=can-i-get-mortgage-after-default

Address

Pendower, Western Road
Rayleigh
SS67AX

Website

https://yesfs.com/

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