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What mortgage can I afford?

When you apply for a mortgage, lenders will look through your bank statements and assess all your outgoings but also factor in any issue that may affect your ability to make repayments.

A lender may also ‘stress test’ your financial circumstances to check that you would be able to pay back your mortgage if something affected your payments.

This is to make sure you’ll be able to pay your mortgage if something happens that affects your repayments.

This could include:

  • losing your job
  • Being ill
  • Interest rate changes
  • having a baby

Lenders also carry out a credit check which means they will look at your credit history to see what type of borrower you are.


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