Every guide on the Quanstrom Financial website is written or reviewed by one of our qualified mortgage and protection advisers, Toby Quanstrom CII (MP) or Will Harrington CII (MP).

Written from real cases

Between us we've helped more than 1,400 clients and arranged over £145m of mortgages. Our guides are based on what we see day to day: how lenders actually assess income, which criteria apply to which circumstances, and where applications commonly run into problems.

Where our information comes from

We check lender criteria against lenders' own published intermediary criteria and the specialist criteria-sourcing tools used by mortgage brokers. Where we quote figures or rules, we use official or lender sources.

Reviewed every quarter

We review all of our guides every quarter, and sooner when something important changes, such as a lender criteria update, a Bank of England rate decision or a change to government schemes.

Compliance

Quanstrom Financial is a trading style of Q Mortgages & Protection Ltd, an Appointed Representative of JLM Mortgage Network Ltd, which is authorised and regulated by the Financial Conduct Authority (registration numbers 1000783 and 300629). Our content is approved in line with financial promotion rules before it's published.

Spotted something?

If anything looks out of date or incorrect, please email info@quanstromfinancial.co.uk. We'll check it and update the page if needed.

General information only

Our guides are general information, not personal advice. What you may be able to borrow depends on your circumstances and is subject to lender criteria. For advice on your situation, book a free consultation with one of our advisers.

Your home may be repossessed if you do not keep up repayments on your mortgage.