Your Mortgage BFF.

As early as possible — ideally before you start viewing houses. A quick chat gives you a realistic budget, an Agreement in Principle, and confidence when you make an offer.

Yes, this is possible. A gifted deposit from a parent is widely accepted, and your mum can live with you too. Some lenders will ask her to sign a gift letter or occupier consent form, and we'll make sure the ownership structure is set up correctly from the start.

Yes, often you can. While many high-street lenders prefer two or three years, I work with specialist lenders who are happy with one full set of accounts, especially if you're a contractor or have a strong track record in your field.

Yes — this is called a joint borrower sole proprietor arrangement. Your son's income can help you borrow more, but he doesn't have to be named on the deeds. Not all lenders offer it, so I'll find one that does.

Usually yes, if it's regular and can be proven. Some lenders take 100% of consistent overtime, others average it over a few months. I'll match you with a lender whose policy makes the most of your actual earnings.

Yes, it's possible. Lenders look at your income, return-to-work plans and any maternity pay or partner income. I'll find the lenders who understand your situation and won't just say no.

Sometimes yes, but it depends on your equity, affordability and overall situation. I'll talk you through the pros and cons so you can decide if it's the right move.

Yes, this is usually done through a transfer of equity. You'll need to prove you can afford the mortgage on your own, and I'll help find a lender who agrees.

Yes — options like bridging finance, let-to-buy or a mortgage with no early repayment charges can make it possible. I'll explain what's realistic for your circumstances.

Often yes. Some lenders accept 6+ months, day-rate history or contract renewals. I work with lenders who actually understand contractor income.