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If you are employed, you will need to show a total annual income of at least 30 times the monthly rent. For example if the monthly rent is £900 you need to earn £27,000, to pass. You will need to provide contact details at your place of work to enable your company to confirm your salary.

Self Employed Income: If you are self-employed for less than 1 year, you will need a Guarantor who will be required to pay for the tenancy in advance. If self-employed for more than 2 years you will need either an accountant to confirm your income (accountants reference) or complete an SA302 (Self Assessment) form.

 

Savings Income: We are able to take savings income into account. However you must have a saved amount that is equal to 36 times the monthly rent that has been in your account for at least 6 months. If you are unable to prove income then we may ask for advance payment of rent or a Guarantor. Your Guarantor will need to prove an income of 42 times the monthly rent. If your Guarantor is not UK based then they must be in full time employment.

"As first time buyers, it was great to have a helpful and understanding team on hand to deal with the purchase. Diane was great at getting things pushed along up the chain leading to a problem free transaction. She was also understanding and patient while we arranged our mortgage, which took longer than expected due to our first time buyer situation."
Ben M