CW Mortgages with Ian

How Much Can You Borrow with a Mortgage in Essex in 2026?

If you’re looking to buy in Essex, whether that’s Romford, Emerson Park or surrounding areas, one of the first things you need to know is: How much can you actually borrow? Most lenders will offer around 4x to 4.5x your annual income, but the real figure depends on your situation, your outgoings, and the lender […]

Product Transfer Mortgages Explained

product transfer mortgages

If your current mortgage deal is coming to an end, you may be wondering whether to take a product transfer or look at a remortgage instead. A product transfer means switching to a new deal with your existing lender rather than moving to a different lender. It can be a simple option in some cases, […]

What Counts As Income For A Contractor Mortgage?

contractor mortgage income

If you are applying for a mortgage for contractors, one of the biggest questions is often simple: what income will the lender actually recognise?  The confusion is understandable because contractors can be paid in several different ways. Some work on a day rate basis. Others operate through a limited company and pay themselves through dividends. […]

What First-Time Buyers Need to Know

first time buyers

Buying your first home is a big step, and most first-time buyers quickly realise there is more to it than just finding a property they like.

How To Prepare Your Accounts For A Mortgage When Self-Employed

self-employed mortgage accounts

Applying for a mortgage when self-employed can feel more complicated than it should. Many self-employed workers and freelancers earn high incomes, yet still run into problems when lenders try to assess affordability. The challenge is not usually the income itself, but how it is presented. Unlike regular employees with payslips, self-employed and freelance applicants must […]


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