Mortgage route checker

Can I Get a Mortgage?

Answer six general questions to see whether your circumstances may be relatively straightforward or could benefit from a more specialist mortgage review.

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This checker cannot approve a mortgage It does not search lenders, calculate affordability, check your credit files or provide a decision in principle.
Your actual options can depend on
  • Income, commitments, deposit and property type.
  • The dates, values and status of any credit issues.
  • Documents and the criteria of individual lenders.

Start the six-step checker

Choose the answer that most closely reflects the circumstances of all applicants. The result indicates a possible route only.

Step 1 of 6 17%
Question 1 of 6

How would you describe your overall credit history?

Use your complete credit reports if available rather than relying only on the headline score shown by one provider.

Question 2 of 6

Have there been missed payments recently?

Consider all applicants and payments reported on credit cards, loans, vehicle finance, utilities and secured credit.

Question 3 of 6

Are there defaults or County Court Judgments?

Age, value, number and whether an entry has been satisfied can all affect how a lender treats it.

Question 4 of 6

Has an applicant had an IVA, bankruptcy, DRO or DMP?

The type of arrangement, completion date and subsequent payment conduct can be important.

Question 5 of 6

What type of income needs to be assessed?

Non-standard income is not automatically a problem, but it can require different documents or lender criteria.

Question 6 of 6

Approximately how much deposit is available?

Use the deposit as a percentage of the intended property price. Lender and scheme minimums vary.

Indicative mortgage route

Factors worth discussing

    Request a human review

    This result does not confirm that you can obtain a mortgage, the amount you could borrow or the interest rate available. A lender or regulated adviser would need to assess the full application and supporting documents.

    Affordability still needs checking

    Income, regular commitments, dependants, term and anticipated mortgage costs can all affect the amount a lender may consider.

    Credit detail matters

    A credit label such as “poor” does not explain the dates, values, causes and current status that a lender may actually assess.

    Specialist does not mean impossible

    Complex income or adverse credit may require a narrower choice of lenders without automatically preventing a mortgage.

    Want a human review?

    Send us a few details and we can help organise the key information before introducing you to an FCA-regulated mortgage adviser.

    Make a mortgage enquiry

    This checker provides general guidance only and does not constitute mortgage advice, a credit check, a decision in principle or an offer to lend. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

    Disclaimer:
    This tool is for general guidance only and does not guarantee mortgage eligibility or approval. The results are based on the information you provide and are intended to give an indication of how lenders may view your situation. Actual decisions will depend on a full credit check, affordability assessment and a wider review of your financial circumstances. For personalised advice, please contact us.

    Important information: Mortgage Bridge provides information only and acts as a mortgage introducer. We do not provide mortgage advice or make lender recommendations. We can introduce you to an FCA-regulated mortgage adviser who can provide personalised mortgage advice.