The Mortgage Library
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157 guides · 11 calculators · updated 11 July 2026
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Check your eligibilitySeafarer mortgages
Mortgages for merchant navy officers, yacht crew and offshore professionals paid at sea.
Can I Get a Mortgage as a Seafarer? Yes, seafarers can get a UK mortgage. How lenders view foreign currency pay, the Seafarers Earnings Deduction and time at sea, from Mortgage One. How Much Can a Seafarer Borrow? How much you can borrow as a seafarer depends on how lenders read offshore income. See realistic figures for foreign currency and rotational contracts. Merchant Navy Mortgages: Specialist Help Yes, merchant navy seafarers can get a UK mortgage. How the right lender handles rotational contracts, foreign currency pay and time at sea by hand. Seafarer Mortgage Help: Specialist Advice Seafarer mortgage help from a specialist broker. The common hurdles, foreign currency, the Seafarers Earnings Deduction and residency, and how to clear them. Seafarer Mortgage: Foreign Currency Income Yes, seafarers paid in foreign currency can get a UK mortgage. How lenders convert and discount non-sterling income, and how residency affects it. Seafarers Earnings Deduction Mortgages Yes, you can get a UK mortgage while claiming the Seafarers Earnings Deduction. Why automated checks misread it and how specialist lenders read your income. Liveaboards Investing Ashore: UK Property Guide for Seafarers A practical UK property guide for liveaboards and seafarers. Learn how lenders assess income, residency, deposits, buy-to-let and next steps. Navigating Seafarers' Mortgages In The UK Seafarers Seafarer Buy-to-Let Mortgages | UK Lenders How seafarer buy-to-let mortgages work, from foreign-currency and SED income to deposits and rental cover. See what UK lenders look for and how to apply. Seafarer Mortgages | Offshore Income, SED & Lender Criteria How seafarer and offshore worker mortgages work in the UK. Covers lender criteria, SED, foreign currency income, application steps and buy-to-let options. Seafarer Mortgages UK | Offshore Income Mortgage Help UK mortgage help for seafarers, yacht crew and offshore workers. Clear advice on income, documents, remortgages and buy to let. Seafarer Mortgages UK For Offshore Income And Foreign Currency UK seafarer mortgage guidance for offshore income, foreign currency earnings, remortgages and buy to let. Clear criteria, documents and next steps. Seafarer Mortgages With SED | Residency & Lending Criteria How UK lenders read seafarer income under SED, when a case qualifies as UK residential, and what residency, currency and paperwork really decide. Seafarers Mortgage Application Guide UK: Steps And Criteria A practical guide for seafarers applying for a UK mortgage, including documents, lender checks, offshore income points and common delays. Superyacht & Cruise Crew Mortgages: First-Time Buyer UK Specialist mortgage advice for superyacht and cruise ship crew. UK first-time buyer guidance on SED, rotational contracts, deposits and lender choice.
Expat mortgages
UK mortgages for British nationals living and working overseas.
Can an Expat Get a UK Mortgage? Yes, expats can get a UK mortgage. How lenders read overseas residency, foreign currency income and deposits, and how a broker places your case. Can a Non-UK Resident Get a UK Mortgage? Yes, a non-UK resident can get a UK mortgage. How lenders read your country of residence, foreign currency income and deposit, and how a broker places it. Expat Buy-to-Let Mortgages Yes, expats can get a UK buy-to-let mortgage. How lenders read the rent, deposit, currency and ownership structure, and how a broker places your case. Expat Foreign Currency Income Mortgage Yes, expats paid in a foreign currency can get a UK mortgage. How lenders convert and discount overseas income, and which currencies widen your lender choice. Expat Limited Company Buy-to-Let Mortgages Yes, expats can buy a UK let through a limited company. How lenders read the special purpose vehicle, personal guarantees, deposit, rent and currency. Expat Mortgage Deposit: How Much Do You Need? Yes, expats can buy in the UK, but expect a larger deposit. How much deposit you need, why it is higher and how your country and currency affect it. Expat Remortgage on a UK Property Yes, an expat can remortgage a UK property from abroad. How lenders read an existing mortgage, why the lender list is shorter, and what keeps your rate sharp. Expat Residential Mortgages in the UK Yes, expats can get a UK residential mortgage. How lenders read overseas residency, foreign currency income and your deposit for a home to live in. HMO Mortgages for Expat Landlords Yes, expats can get a UK HMO mortgage. How lenders read room rent, licensing, deposit, experience and currency, and how a broker places your case. How Much Can Expats Borrow on a UK Mortgage? Yes, expats borrow for UK mortgages. How lenders set the figure from your income, how a foreign currency reduction changes it, and what lifts the amount. Mortgages for Expats Returning to the UK Yes, returning expats can get a UK mortgage. How to time the application around your move, use overseas income, and handle a thin recent UK credit trail. UK Mortgages for British Expats in Australia Yes, British expats in Australia can get a UK mortgage. How lenders read Australian dollar income, residency and deposit, and how a broker places your case. UK Mortgages for British Expats in Portugal Yes, British expats in Portugal can get a UK mortgage. How lenders read euro income, residency and deposit, and how a broker places your case from overseas. UK Mortgages for British Expats in Spain Yes, British expats in Spain can get a UK mortgage. How lenders read euro income, residency and deposit, and how a broker places your case from overseas. UK Mortgages for British Expats in the UAE Yes, British expats in Dubai and the UAE can get a UK mortgage. How lenders read tax-free dirham income, residency and deposit, and how a broker helps. UK Mortgages While Living Abroad Yes, you can get a UK mortgage while living abroad. How the application, paperwork and identity checks work from overseas, and how a broker places your case. Buy UK Property From Abroad | Expat Mortgage Guide How to buy UK property from abroad. Covers expat mortgages, non-resident stamp duty, lender criteria, currency risk, buy-to-let and the legal process. Expat Limited Company Buy-to-Let Mortgages | UK SPV Guide Learn How Expats Buy Or Remortgage UK Rental Property Through A Limited Company, Including SPV Rules, Deposits And Lender Checks. Expat Mortgages: Buy Or Remortgage UK Property From Abroad Learn how expat mortgages work for buying or remortgaging UK property, what lenders check, likely documents and next steps. Expat Mortgages: Buying UK Property From Abroad Expat mortgages for UK property purchases while living abroad. How lenders assess your case, what you need and how Mortgage One can help. Expat Remortgage UK | Remortgage While Living Abroad Learn How To Remortgage A UK Property While Living Abroad, What Lenders Check, How Overseas Income Is Assessed, And Which Route Fits. Mortgages for Overseas Property | UK Guide to Buying Abroad UK buyers wanting a mortgage for overseas property: which lender route, when to remortgage instead, deposit and currency rules. Mortgage One. Non-UK Resident Mortgages | Criteria, Lenders & Deposits How non-UK resident mortgages work, what lenders look for, deposit rules and how foreign income is assessed. Specialist broker advice from Mortgage One. UK Expat Mortgages | Buy Or Remortgage UK Property Abroad How expat mortgages work for UK purchases, remortgages and buy-to-let. Lender criteria for overseas income, foreign currency and non-UK residents. UK Mortgage With Foreign Income | Lender Criteria & Currency UK mortgage with foreign income? How lenders treat overseas earnings, currency haircuts, deposit rules and documents. Speak to Mortgage One. UK Mortgages for British Expats in Singapore | SGD Income How UK mortgages work for British expats in Singapore: SGD income treatment, lender criteria, deposits and returning buyer routes explained. UK Mortgages for Returning Expats | Lender Criteria & Timing How UK lenders assess returning expats: residency rules, foreign income evidence, credit history and timing. Compare routes and plan your application. UK Mortgages for UAE Expats | Lender Criteria & Routes How UK mortgages work for British expats in Dubai and the UAE: lender criteria, AED income treatment, deposits and returning buyer routes explained.
Self-employed and complex income
Lending for directors, contractors and anyone whose income does not fit a standard payslip.
Self-Employed Mortgages Yes, you can get a mortgage when self-employed. How lenders read your accounts, SA302s, one or two years of figures, deposit and how much you can borrow. Buying A Home Through A Limited Company Yes, a limited company can hold residential property, but your own home is a personal mortgage. Where company ownership fits, the tax and how directors qualify. Contractor Mortgages Yes, contractors can and do get UK mortgages, often assessed on your day rate rather than your accounts. How lenders read contract income, with worked figures. Getting a Mortgage When Self-Employed Yes, you can get a mortgage when self-employed. What lenders need, how long you must have traded, deposit, and how to improve your chances of approval. How Many Years' Accounts for a Mortgage Most lenders want two years of accounts and some ask for three, but one full year can be enough. How many years you need self-employed for a UK mortgage. How Much Can You Borrow When Self-Employed? Yes, self-employed borrowers can borrow on income like anyone else. How lenders set the income figure they use and turn it into a mortgage amount. Mortgages for Limited Company Directors Yes, limited company directors can get a mortgage. How lenders read salary and dividends or retained profit, the accounts you need, and how to borrow more. Newly Self-Employed Mortgage Yes, you can get a mortgage soon after going self-employed. How lenders read a new trading record, when you can apply, and how earlier employment helps. One Year Self-Employed Mortgage Yes, you can get a mortgage with one year of accounts. Which lenders accept a single year of self-employed income, what they need, and how much you can borrow. Self-Employed First-Time Buyer Mortgages Yes, you can buy your first home when self-employed. How many years of accounts you need, deposit and scheme rules, and how lenders read your income. Self-Employed Mortgage Requirements What you need for a self-employed mortgage: the trading history, accounts, documents, deposit and credit record lenders ask for, and how to meet them. Self-Employed Net Profit Mortgage Yes, some lenders assess you on salary plus net profit, not dividends. How the method works, the accountant note you need, and how to borrow more. Self-Employed Remortgage Yes, you can remortgage when self-employed. Product transfer versus full remortgage, how lenders read your accounts, raising capital and timing a clean switch. Contractor Mortgages UK | Day Rate Mortgage Advice Contractor mortgages explained. How UK lenders assess day-rate income, what documents you need and how to strengthen your application. Speak to Mortgage One. Mortgage Rates for Professionals | How Lenders Price Professional Mortgages How mortgage rates work for UK professionals. Covers income multiples, LTV tiers, fixed vs tracker options and what drives the rate a lender offers you. Self-Employed Mortgages | UK Lender Criteria How self-employed mortgages work, how lenders assess sole trader, director and freelance income, what accounts you need and how a broker helps.
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Check your eligibilityBuy-to-let and limited company
Personal and SPV borrowing for landlords, from a first purchase to a full portfolio.
Limited Company Buy-to-Let Mortgages Yes, you can hold a UK buy-to-let through a limited company. How lenders read the special purpose vehicle, deposit, rent cover, personal guarantees and rates. Buy-to-Let: Limited Company or Personal Name Limited company or personal name for your buy-to-let? How the tax, mortgage rates, deposit and rent cover differ, and how to choose the route that fits. Deposit for a Limited Company Buy-to-Let Yes, plan for at least a quarter of the value as a limited company buy-to-let deposit. How much you need, acceptable sources, director's loans and gifts. First-Time Landlord Limited Company Guide Buying your first rental through a limited company as a first-time landlord: which lenders accept you, the deposit to plan for and the setup to get right. How Much Can a Limited Company Borrow? How much a limited company can borrow for buy-to-let is set by the rent, then capped by the deposit. The borrowing sum, a worked example and what lifts it. Limited Company Buy-to-Let Criteria Yes, a new SPV can meet limited company buy-to-let criteria. How lenders read the deposit, rent cover, stress rate, director income and personal guarantee. Limited Company HMO Mortgages Yes, you can hold an HMO through a limited company. How lenders read the special purpose vehicle, room rent, deposit, licensing and personal guarantees. Limited Company Holiday-Let Mortgages Yes, you can hold a holiday let through a limited company. How lenders read the special purpose vehicle, seasonal income, deposit and letting rules. Moving a Buy-to-Let Into a Limited Company Moving your buy-to-let into a limited company is a sale to the company, so it needs its own SPV mortgage. How the remortgage works and what lenders look for. Portfolio Landlord Limited Company Mortgages Portfolio landlords holding buy-to-lets through a limited company: how lenders assess the whole portfolio and size your next purchase. Setting Up an SPV for Buy-to-Let How to set up an SPV for buy-to-let: incorporation, SIC codes, shareholding, the order of steps, what it costs and how to make the company lender-ready. SPV Mortgages for Buy-to-Let Yes, you can mortgage a buy-to-let through a special purpose vehicle. How lenders read an SPV, the SIC codes, deposit, rent cover and personal guarantees. Buy-to-Let Mortgages | UK Landlord & Portfolio Guides UK buy-to-let mortgage guidance for landlords and investors. Covers standard BTL, limited company, portfolio rules, holiday lets, HMO lending and remortgaging. Buy-to-Let Mortgages Explained for Landlords Buy-to-let mortgages explained: how lenders assess rental income, ICR stress tests, deposits, limited company options. Specialist broker advice. Halal Buy-to-Let Mortgages UK | Sharia-Compliant Finance How halal buy-to-let mortgages work, Home Purchase Plan structures, deposits and rental coverage. Speak to Mortgage One about a Sharia-compliant referral. HMO Mortgages UK Houses in Multiple Occupation How to finance a house in multiple occupation. Covers HMO mortgage criteria, deposits, licensing and lender requirements. Specialist advice from Mortgage One. Holiday Let Mortgages | UK Guide How holiday let mortgages work, deposit requirements, lender criteria and the impact of FHL tax abolition. Expert guidance from Mortgage One. Limited Company Buy-to-Let Mortgages How limited company buy-to-let mortgages work. Covers SPV structure, lender criteria, Section 24, corporation tax and what landlords need to apply. Limited Company Buy-to-Let Remortgage How to remortgage a limited company buy-to-let. Covers product transfers, lender criteria, ICR, capital raising, portfolio landlord rules and what to prepare. London Landlords Selling Up | Buy-to-Let Market Analysis London rental supply has fallen as landlords sell up after the Renters’ Rights Act. What it means for buy-to-let refinancing and exit choices.
Later life lending
Mortgage options for borrowers in their late fifties, sixties and beyond.
Equity Release Mortgages | Specialist Advice Equity release for homeowners aged 55+. Lifetime mortgages, lender criteria, Equity Release Council safeguards and alternatives explained. Free consultation. Lifetime Mortgages | Equity Release Guide How lifetime mortgages work, eligibility, how much you could borrow, no negative equity guarantee, drawdown options and what to consider. Mortgage One guide. Mortgages for Pensioners | Older Borrower Guide Guide to mortgages for pensioners and older borrowers. Covers pension income, lender age limits, RIO mortgages, equity release and how to apply. Parents Using Equity to Help Children Buy a Home | UK How parents can use home equity to support a child
First-time buyers
The essentials from first viewing to completion.
Expert Strategies for Parents Helping with Mortgages Explore Ways Parents Can Support Their Children’s Home Buying Journey. Learn About Gifting Deposits, Acting as Guarantors, and Other Key Mortgage Strategies. First-Time Buyer Mortgages UK | Deposits And Process Understand deposits, affordability, costs and schemes for first-time buyers in the UK with practical guidance from Mortgage One. Help to Buy Mortgages | Wales Equity Loan Guide Help to Buy Wales remains open until September 2026. How the equity loan works, eligibility, mortgage options and alternatives for buyers across the UK. Right to Buy Mortgages For Tenants | Expert Advice Learn About Right to Buy Mortgages with Mortgage One’s Guide. Understand Eligibility, Discounts, and How to Apply for a Mortgage to Purchase Your Council Home. Shared Ownership Mortgages | UK Guide How shared ownership mortgages work, eligibility, deposit, staircasing costs, the new model changes and what lenders require. Mortgage One guide.
Moving home and remortgaging
Rates, timing and switching for existing homeowners.
Further Advance and Additional Borrowing How further advances and additional mortgage borrowing work. Covers lender criteria, documents, alternatives and when to remortgage instead. Free consultation. Moving Home Mortgage Advice - Porting And New Options Moving home and unsure whether to port, borrow more or take a new mortgage? See costs, lender checks, documents and next steps. New Build Mortgages | Deposits, LTV & Schemes New build mortgage deposits, 5% deposit routes and how builder contributions affect your LTV. Whole of market broker advice on which lenders fit. Product Transfer Mortgage | Costs & Eligibility How product transfer mortgages work, what they cost, whether you could be declined, and when switching deals beats a remortgage. See if it fits your case. Residential Mortgages | UK Buying & Remortgage Guides Practical guides for UK home buyers, remortgagers and movers. Covers deposits, affordability, lender criteria, government schemes and application steps. Second Charge Mortgages | UK Guide What second charge mortgages are, when they may apply, LTV calculations, costs and alternatives including remortgaging. Mortgage One guide (by referral). Second Home Mortgages UK | Deposits, Rates and Costs How second home mortgages work in the UK. Covers deposit requirements, lender criteria, stamp duty surcharge and how to fund a second property. Free consultation.
Calculators
Quick illustrative tools for repayments, borrowing and more.
Foreign Currency Mortgage Borrowing Calculator See an indicative UK mortgage borrowing range on foreign currency income. Generous, typical and cautious lender treatments at 4.5 to 5 times income, illustrative only. Guarantor and JBSP Mortgage Calculator See how much more you could borrow when a family helper or guarantor is added on a JBSP basis, at 4.5 to 5 times combined income, illustrative only. Limited Company Buy-to-Let Calculator See an indicative limited company buy-to-let borrowing range from your rent, on a 125% cover basis at illustrative stress rates, with a 75% LTV cross-check. Mortgage Calculators Free mortgage calculators from Mortgage One. Work out your loan to value and an indicative borrowing range on foreign currency income, illustrative only. Remortgage Calculator See how much you could save by remortgaging. Enter your balance, term and current and new rates for an indicative monthly and yearly saving, illustrative only. Second Home Mortgage Calculator See an indicative borrowing range for a second home, on your income at 4.5 to 5 times income after your existing main-home mortgage. Affordability only, illustrative. Self-Employed Mortgage Calculator See an indicative UK mortgage borrowing range when you are self-employed, for sole traders, partnerships and directors at 4.5 to 5 times income. 2026 Stamp Duty Calculator | SDLT Rates Explained Calculate your stamp duty for 2026. Covers current SDLT rates, first-time buyer relief, additional property surcharge and non-UK resident rules. Free consultation. Buy-to-Let Rental Stress Test Calculator UK Estimate required rental income or maximum loan using a stressed interest rate and ICR. Indicative results only. Lender criteria vary. LTV Calculator UK | Loan to Value Mortgage Ratio Tool Our UK LTV calculator works out your loan to value ratio. Enter the property value and loan amount to see which mortgage lender bands you fall into. Mortgage Repayment Calculator UK | Monthly Payment Estimate Calculate estimated monthly mortgage repayments based on loan amount, term and interest rate. Figures are indicative and for guidance only. Mortgage Repayments Explained | How to Calculate How mortgage repayments work. Covers capital repayment vs interest-only, what affects monthly costs, term length impact and overpayments. Free consultation. UK Mortgage Calculators | Borrowing, Repayments And LTV Use UK mortgage calculators to estimate borrowing, repayments, LTV, Stamp Duty and buy-to-let stress testing in one place. URL Slug: calculators
More from the main site
Everything else on the Mortgage One guide shelf.
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