Frequently asked questions


Can I get mortgage?

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This will depend entirely on your circumstances. In general if you have an income, some deposit, and a clear credit record there should be no problem. A whole of market mortgage broker will be able to assess your situation with a few basic details and advise you accordingly

How much can I borrow on a mortgage?

Most lenders now have individual afforability calculations to work out the amount you can borrow. If you contact us and speak to one of our mortgage advisers we will be able to work all this out for you.

What if I don't have a clear credit record, can I still get a mortgage?

While this can potentially make it more difficult to obtain a mortgage it is worth contacting us with more specific details and we can advise you further.

How much deposit do I need?

With some lenders this will depends on your credit score, whereas with others they will lend to you as long as you have the minimum of 5% and meat their affordability.
It's worth noting that, usually, the more deposit you put the down the better rate you will get. One of our qualified mortgage brokers will be happy to explain in more details specific to your circumtances. Click on the contact us link to arrange a callback.

Mortgage Search

At Expert Financial we believe that searching for a mortgage on the internet is a great start, but an online computerised search engine is not going to give you all the information you need to make such a big decision.

Contact us to find out how we can help you find the best mortgage for you.

Get in Touch

How much can I borrow?

Let us help you with that.

Ask yourself

The most common mortgage question we're asked is "How much can I borrow?".

If you wish to find out this information online the only way to do it is to work through the website of every lender and complete their mortgage "affordability" forms.

Ask us

If you contact us and confirm some basic details, one our qualified mortgage advisers will do all the mortgage calculations for you and give you a detailed indication of how much you can borrow and, more importantly, how much it might cost you to pay it back!

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Your information will not be shared with any 3rd parties and you will not be contacted by us regarding anything other than this request without your express permission.