Do I have to be in full time employment to get a mortgage?
All of the following can be used for mortgage purposes.

• Employment income (full-time, part-time or self employed)
• Pension income
• Investment income
• Rental income
• Maintenance payments

Do I need a deposit?
Not necessarily as 100% mortgages are now commonplace. Providing you have a good credit rating, the chances are you’ll qualify for this type of mortgage.

I have a poor credit rating. Can I still get a mortgage?
Much depends on the extent of your adverse credit. However, providing you have a deposit of at least 10% of the purchase price, we are confident that a lender would consider your application.

I have debt. Can you still get me a mortgage?
Yes we can. Providing your existing credit commitments and your new monthly mortgage payments remain affordable and within your budget, we should be able to help.

I retire soon. Can I still get a mortgage?
Yes you can. All you have to do is prove that you have the income to maintain the mortgage payments past retirement.

Can I buy a property with someone else?
Yes you can. Many of our customers use a family member or a friend to provide financial support.

Do you arrange Buy-to-Let mortgages?
Yes we do. We offer a full advisory service.

Apart from mortgages, what else do you do?
We are happy to arrange your Life Assurance, Critical Illness Cover, Family Income Protection, Permanent Health Insurance, Building & Contents Insurance as well as Solicitors.

Do you charge a fee?
PMH are independent mortgage advisors. We can be paid by commission or a fee currently £1000. Please see our intinial disclosure document (IDD) for further details. We are happy to discuss which option is best suited to you.

If you would like to ask us a question that is not listed here, feel free to give us a call on 08452572230.

Please note that although we will do our very best to help, all of our applications are subject to the lending criteria of the Bank or Building Society concerned.