Can You Afford a UK Mortgage? Income & Borrowing Explained for Visa Holders

Описание: Thinking of buying a home in the UK but not sure how much you can borrow?
Lenders look at far more than just your salary — and for foreign nationals on visas, income assessment can get even more complex.

In this video, I walk you through exactly how UK mortgage lenders calculate what you can afford, what income types they accept (NHS bank staff, self-employed, zero-hours contracts), and why your outgoings can reduce your borrowing power, even if you earn well on paper.

Chapters:
00:00 – Intro: “How Much Can I Borrow?”
00:38 – It’s Not Just About Salary
01:10 – How Lenders View Income Structure
01:55 – What If You’re on a Visa or Unusual Contract?
02:30 – Committed Expenditure: The Hidden Factor
03:25 – What’s the 4.5x Rule?
04:00 – When Lenders Offer More (or Less)
04:40 – Real Client Story: Jamie’s Journey
05:40 – What You Should Do Next

Whether you’re salaried, hourly, newly employed, or self-employed — we've helped people on all types of income structures and visa statuses get approved with as little as 5–10% deposit.

✅ Over 400 homeowners helped
✅ £126M+ in mortgages secured
✅ 99% approval rate

Drop your income details or visa type in the comments — I’ll reply with guidance.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
This video reflects information correct at the time of posting and is subject to change due to lender criteria, market conditions, and regulations.