How to apply for a mortgage

Your affordability for your application will be based on the hours you worked, as evidenced in your latest payslip. We will not include any furlough or job support income in your application. 

We’ll assess what you can afford by reviewing your latest payslip and the hours you’ve worked. We will not include any furlough or job support income in your application.

If your working hours have recently changed, your payslip will need to evidence this. We’ll then include any additional worked hours in our assessment.

For joint applications, we’ll assess the payslips of both applicants to work out your

combined income. 

If you’re applying online:

You’ll need to calculate your gross annual income based on the hours worked in your payslip. As there are 52 weeks in a year:

• for monthly payslips, 12 times the earned amount from hours worked
• for four weekly payslips, 13 times the earned amount from hours worked
• for bi-weekly payslips, 26 times the earned amount from hours worked
• for weekly payslips, 52 times the earned amount from hours worked

Due to the coronavirus, we’re directing all applicants with any form of self-employed income to apply by telephone or attend a video appointment using Zoom.

You can find out how much you may be able to borrow by completing a Decision in Principle online. Once you’re ready to complete your full application, you’ll need to contact us to book an appointment.