Guides & FAQs
UK mortgage guides and answers to common questions.
Find practical guidance on deposits, affordability, remortgaging, lender criteria, application documents and protection. This is general information, not a personal recommendation. Products, criteria and legislation can change.
Try the calculatorFrequently asked
Answers to common questions.
For advice based on your circumstances, contact Rahul directly.
How much can I borrow?
It depends on your income, commitments, deposit, credit profile, property and the lender’s criteria. Rahul can help you estimate a realistic range before you set a property budget or make an offer.
How much does mortgage advice cost?
There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding. The estimated fee is £299, payable at application.
What types of mortgage lenders can Rahul consider?
RG Financial Services can consider mortgages from a range of high-street banks, building societies and specialist lenders. The lenders and products available can change and may not include every lender in the market. Rahul will explain the range he can consider and any relevant exclusions before making a recommendation.
Can appointments take place remotely?
Yes. Telephone and video appointments are available across the UK, with daytime and evening appointments and weekends by arrangement.
When should I start a remortgage review?
Around six months before your current deal ends is a useful starting point. This can provide time to compare a product transfer with suitable remortgage options, consider fees and any early repayment charge, and prepare for the next step. The right timing depends on your mortgage and circumstances.
What documents might I need?
Common documents include identification, proof of address, bank statements and payslips. Self-employed applicants may also need accounts, tax calculations and tax-year overviews; contractors may need a current contract. The exact evidence depends on your circumstances and the lender.
Will using the calculator affect my credit record?
No. This website calculator provides an illustration and does not run a credit search.
Why discuss protection with a mortgage?
A mortgage is a long-term commitment. A protection review can consider how repayments and household costs might be managed if health, income or family circumstances change.
Practical guides
Prepare for your mortgage conversation with confidence.
Each guide covers useful information, likely evidence and questions to raise during an initial review.
How to prepare for an agreement in principle
What it shows, when to request one and the income, commitment and deposit information you may need.
View first-time buyer mortgage advice Moving homeMortgage porting when moving home
What porting means, why it is not automatic, how additional borrowing may work and which moving costs to consider.
View home-mover mortgage advice RemortgagingStay with your current lender or switch?
Compare a new deal from your current lender with suitable remortgage options, including rates, fees, early repayment charges and incentives.
View remortgage advice Buy-to-letHow buy-to-let affordability works
How lenders assess expected rent, deposits, property type, landlord experience and personal or limited-company applications.
View buy-to-let mortgage advice Complex incomeMortgage documents for company directors
How accounts, salary, dividends and company profit may be assessed differently between lenders.
View mortgage questions for complex incomePersonal advice
Have a mortgage or protection question?
Tell Rahul what you are planning, your timescale and the question you would like answered.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding. The estimated fee is £299, payable at application.
No fee is charged for protection advice. If you take out a policy, RG Financial Services will receive commission from the insurer. The policy cost and commission will be explained before you proceed.