What a lender actually looks at on your bank statements
Three months of spending tells an underwriter more than your payslip does. Here is what stands out, what does not matter, and what to tidy up before you apply.
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Plain English explanations of the things that come up most often, written by the people who deal with them every day.

First time buyers14 min read
From working out what you can borrow to picking up the keys. A plain English walk through every stage, what happens when, and the points where things typically slow down.
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First time buyers8 min read
Three months of spending tells an underwriter more than your payslip does. Here is what stands out, what does not matter, and what to tidy up before you apply.
Read more
Remortgaging6 min read
Most people lose money in the gap between a fixed rate ending and a new one starting. A short guide to the timeline and when to begin.
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Market updates7 min read
Three different taxes, three sets of thresholds, and one very common mistake. What you pay depends on where the property is, not where you live.
Read moreBuy to let9 min read
Why a property that looks affordable on paper can still fail a lender's calculation, and what changes the answer.
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Protection10 min read
Two policies at the same monthly cost can define the same condition very differently. How to read the difference.
Read moreFirst time buyers5 min read
Gifted deposits are common and entirely acceptable, but the paperwork catches people out. What to prepare in advance.
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