18/02/2026
Mortgage affordability isn’t one-size-fits-all.
Every lender works differently. Some will use a second job (some only part of it), some accept Universal Credit and some don’t. Overtime and bonuses can count fully, partly, or not at all.
Even how long they’ll lend for varies — some up to retirement age, some beyond.
So if one lender gives you a figure, it doesn’t mean that’s the final answer. There may be other options out there 👍
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Approved by The Openwork Partnership on 17/02/2026
