Single income mortgages

Helping you buy a home with one income

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Getting a mortgage on a single income

Typically, when it comes to mortgages, the more you earn, the more you can borrow. As lenders affordability calculators are worked off of the combined income, couples and those entering into mortgages together are often offered a higher loan amount. However, there are plenty of single income mortgages out there for those who are applying alone. In fact, the market has become incredibly sympathetic to single purchasers in recent years, and there are more options than ever for those who need an extra helping hand, as they take action into property ownership without a partner.

At CLS Money, we have a wealth of experience in organising single income mortgages. Whether we’re helping young professionals take their first steps onto the property ladder, or sourcing the perfect later life lender to help with the purchase of a dream home, we have the expertise and connections along with specialist market knowledge to find you the right single income mortgage for all of your individual needs.

We are highly adept at arranging mortgages for divorcees and single parents who are adjusting to life on a single income. We know how little time you can be left with when you have to manage normal life on your own, which is why our mortgage brokers will search the whole of the market for you, finding the ideal product to suit your circumstances. Once you’re happy that they’ve found the best possible deal, a strong application will be compiled and sent to the lender, who due to our research will be highly likely to provide you with a mortgage offer. We will monitor and guide your offer all the way up to completion, leaving nothing to chance and helping you secure your dream home.

If you’re thinking of buying a home as a single parent, after a divorce, or you just even want to explore your mortgage options, contact our team today for completely free and honest upfront advice. With our access to the whole of the mortgage market, you can be certain that you are receiving products that offer the most competitive rates and terms.

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Mortgages that suit you

Mortgages that suit you

No matter your circumstances, we are here to get the right mortgage for you.

Appointments at your convenience

Appointments at your convenience

We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

Free of charge, no obligation advice

Free of charge, no obligation advice

Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

At your side

At your side

We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

With you all the way

With you all the way

As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

Protecting what matters most

Protecting what matters most

We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

How Is Mortgage Affordability Assessed? | CLS Money

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< Gemma May Senior Mortgage Advisor

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UPDATED 5/11: We are open like normal, although applications may be slower than usual due to third parties processing times. The good news is Mortgage Lenders are open and Valuers are still out valuing properties. Contact our team on 01268 931611 for any questions or updates.