Watch your application assemble itself.
Scroll through each qualification factor. Every green tick is one less thing standing between your family and a decision in principle.
Combined Income Verified
AffordabilityMultiple income streams — PAYE, self-employed, rental, benefits — assessed together.
Up to 4 applicants. We use the top 2 earners for primary affordability, with others strengthening the file.
Credit Profile Compatibility
CreditMismatched scores handled. One strong file can offset gaps in another.
Some lenders now average credit scores across applicants. We route you to the right one.
Deposit Structure Confirmed
DepositPooled savings, gifted deposits, equity release, and family contribution schemes accepted.
Joint applicants average a 36% larger deposit — unlocking sub-5% LTV rates unavailable to solo buyers.
Guarantor Eligibility Assessed
GuarantorParents, siblings, or close relatives added as Joint Borrower Sole Proprietor (JBSP).
The supporting party appears on the mortgage but not the deeds — preserving first-time buyer relief.
Property Type Approved
PropertyHouses, flats, new-builds, and Help to Buy equity loan properties all considered.
We match your property type and purchase intent to lenders whose criteria fit your structure.
Get Your Joint Assessment
Action RequiredThe one item still unchecked. Five questions. A personalised borrowing estimate.
Every family structure has a mortgage route.
We've seen every combination. Here's how real families unlocked more than they thought possible.
Mum's income. Your name on the deed.
Priya earns £32,000 as a teacher. Alone, she qualifies for £144,000. Her mother Kamala adds her pension income — Priya's borrowing jumps to £229,000 and she retains full first-time buyer stamp duty relief.
Two salaries, one front door.
Daniel and Yemi Okafor — a nurse and a delivery manager — pooled their deposits and incomes. Together they accessed a 15% LTV product unavailable to either alone.
One strong file carries both.
Tom had a CCJ from 2019; Adaeze had an excellent credit history. We found a specialist lender who weighted Adaeze's file and approved them at a competitive rate within 11 days.
Complicated income trail. Clean approval.
Fatima had 3 years of self-employed income post-divorce, maintenance payments, and a part-time salary. We structured the file with two lenders to maximise her provable income to £67,000.
Families who got the green light.
"We'd been turned down by two high-street banks because of my self-employment gaps. Underwrite found a lender who used my last two years of accounts plus my husband's salary and got us £40,000 more than we expected."
"My parents are in their 60s and I was worried their age would restrict the mortgage term. Underwrite found us a lender with a 75-year repayment age limit and structured a 20-year term that worked for everyone."
"Three of us — me, my sister, and our mum — applied together. I thought no lender would touch that. Underwrite submitted to a specialist and we had a decision in principle within a week."
Five questions. A personalised estimate. No credit check required.