Homing in on Islington? Knowing your borrowing capacity early helps you shortlist the right homes and offer decisively. We’ll calculate realistic borrowing, arrange your AIP – Agreement in Principle, and explain what affects your numbers—without jargon.
Next step: say hello on our Contacts page, or read our core Mortgages service.
What drives borrowing amounts
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Income type: salary, fixed/variable bonuses, overtime; self-employed profits.
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Credit & commitments: cards, loans, student finance, car PCPs (Personal Contract Purchases).
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Deposit & LTV – Loan to Value: bigger deposits generally mean better rates and more headroom.
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Term length & product: a longer term lowers payments; we’ll show the real-world cost over time.
Documents to prepare (speeds up approval)
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Passport/ID, address history, last 3 months’ payslips (or accounts/SA302s), bank statements, deposit evidence.
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If you’re a contractor, see our post on day-rate lending for North London professionals (link below).
Make your offer strong
We’ll produce an AIP – Agreement in Principle and, when you’re offer-ready, we’ll move swiftly to full application and keep the agent informed (with your permission) so momentum isn’t lost.
North London lead: Maira Oliveira. Also see: Contractor Mortgages in Hackney (if relevant).
