Typically, lenders offer between 4.5 and 5.5 times your annual income — but affordability doesn’t stop there. If you receive child benefit, universal credit, child maintenance, or other income sources, these may also count towards what you can borrow.

Every lender has different criteria, and everyone’s situation is unique — so it’s best to speak to a mortgage adviser for a personalised affordability assessment.

Want a rough idea of what you could borrow?

For a very rough estimate, take a look at this handy mortgage calculator. 

Mortgage interest rates change regularly and are influenced by many factors, including inflation, the Bank of England base rate, and the wider economy. While no one can predict exactly what will happen, staying informed is key.

That’s why it’s so important to work with a mortgage adviser who understands the market. At Grandi Mortgage Solutions, we keep a close eye on rate changes and lender updates. If mortgage rates drop while your application is in progress, we’ll act quickly to help you secure a better deal — right up to the point of completion.

You’ll never miss out on a better rate when you're working with us.

You can go straight to a bank or lender — but how will you know if they’re offering the best deal for your circumstances?

At Grandi Mortgage Solutions, we’re independent mortgage advisers with access to the whole of the market, not just one lender. That means we compare a wide range of mortgage products to find the one that suits you best — whether you're a first-time buyer, home mover, or remortgaging.

We also keep a close eye on the financial market and will monitor your case throughout, making sure you’re always getting the most competitive deal available.

Plus, we don’t just sort your mortgage — we support you with the whole process, working with estate agents, solicitors, and other key parties to keep everything running smoothly. 

Take a look at our article for more information. 

In most cases, the minimum deposit required is 5% of the property's value. This is commonly available through 95% loan-to-value (LTV) mortgage products, often aimed at first-time buyers.

There are also specialist schemes, such as Shared Ownership, where you may be able to buy a share of a property with a lower deposit — and in some cases, no deposit at all may be required, depending on your circumstances.

Deposit requirements can vary from lender to lender, so it’s always best to get tailored advice.

Reach out to us and we’ll help you understand exactly what’s possible based on your situation.

Firstly, these are known by a few different names - agreement in principle, mortgage in principle, and decision in principle, but they’re all the same thing.

Once you've had your free initial consultation, we'll arrange a decision in principle for you. This involves a soft check on your credit file (which doesn't effect future credit decisions). Please note, this is not a mortgage offer and underwriting will still take place prior to receiving an offer.

We'll look after you from start to finish. To start with, just reach out and we'll get an initial consultation booked in to talk you through the next steps.

Protection is just as important as the mortgage itself. Although it's not a requirement, a mortgage is likely to be the biggest debt you incur in your lifetime. The right thing to do is to make sure that you and your family are protected for this journey.

It all varies. For a standard freehold purchase, it will typically take between 6-8 weeks once your offer has been accepted.  A leasehold purchase is around 10-12 weeks.

It's completely up to you! If you've searched 'mortgage adviser near me', you've probably noticed we're based in Chinnor, Oxfordshire. So if you're local and wanted to meet face to face, let's do that. If you're further afield, or happy to discuss everything over the phone and email, I'm happy with that too.