What Do Mortgage Lenders Look For? The Complete Guide

What do mortgage lenders look for

Securing a mortgage can seem daunting, but understanding what lenders are looking for can help to simplify the process. In this post, we’ll unpack important factors like credit scores, income stability, and debt-to-income ratio while offering tips to enhance your approval chances. Whether you’re a first-time homebuyer, considering refinancing, or just curious, this guide aims […]

The Complete Guide To CIS Statements


If you’re a contractor or subcontractor that gets paid through CIS, you might be wanting to know a bit more about how the scheme works. The importance of understanding CIS statements cannot be understated – they not only help you manage your finances but also ensure that you comply with tax regulations and avoid potential […]

Can I Get A CIS Mortgage With Bad Credit

CIS Mortgage With Bad Credit

Bad credit can seem like a major obstacle to getting a mortgage, but it doesn’t have to be. While having a bad credit score can complicate the process of getting a conventional CIS mortgage, there are still options available for those with less-than-perfect credit scores. In this blog, we’ll be running through some of the […]

How Does Equity Release Work

How Does Equity Release Work?

Equity release can be defined as the process of letting you ‘release tax-free cash from the value of your home’ as long as you’re above the age of 55.  This can be a great way to access some of the money you have tied up in your home. But how does equity release actually work? […]

CIS Mortgage Advice: The Ultimate Guide

Guide To CIS Mortgages

CIS mortgages can seem confusing, but they don’t have to be. Here at Jones and Young, we’re here to help you understand your options and make the best decision for your unique financial needs. In this blog, we’ll be sharing some of our best practices for navigating CIS Mortgages and our top tips for getting […]

The Self-Employed Mortgage Guide: What You Need to Know

Latest News for Self Employed

When it comes to getting a mortgage, being self-employed can add an extra layer of complexity. Unfortunately, lenders don’t always make the process easy for small business owners and freelancers who have irregular incomes or don’t fit into traditional lending criteria. However, with the right knowledge and preparation, it is possible to secure a mortgage […]

Do you have a mortgage on the Christmas List?

With Christmas right around the corner, securing a mortgage may be the last thing on your mind – or perhaps it’s at the top of your wish list for Santa. But if being accepted for a mortgage is a wish you would like to become a reality this festive season, it’s important you have the […]

Later Life Lending

Retirement Mortgage

There are many options available to you in later life if you require a mortgage. In todays blog we look at some of the common reasons why people use mortgages later in life and discuss the options available. If you are over 55 there are actually more mortgage products available to you than anyone else. […]

First Time Buyers – Dont like what you can afford?

First Time Buyers

Hello, I hope you’re doing well! In the years I have been helping First Time Buyers in getting their foot on the housing ladder, there have been numerous occasions when people don’t like the homes they can afford. It isn’t uncommon for people to dislike what’s on the market and in their price range (especially […]