Each guide here covers a borrower type lenders assess using genuinely different criteria from a standard employed applicant, and explains exactly how, so you know what to expect and what to prepare before you approach a lender or broker.
Frequently asked questions
Why do these borrower types need separate guides at all?
Because lenders genuinely assess them differently. A standard mortgage guide assumes salaried, PAYE income and a straightforward working-age applicant; self-employed income verification, contractor day-rate assessment, and later-life age limits each involve criteria that a generic guide simply doesn't cover accurately.
Do I need a specialist broker if I fall into one of these categories?
Not necessarily, but it's often genuinely valuable. See our Mortgage Broker Resource Centre for how brokers are paid and when the fee is worth it, particularly for circumstances outside a mainstream lender's standard automated criteria.
About the author
✓ Editorially reviewed — all Poqet guides are checked for factual accuracy before publication and updated when UK rates or legislation change. Editorial Policy