Key To Mortgages

Lovely family walk❤️ St Catherine’s Hill, Christchurch.

Fixed vs Tracker vs SVR Explained

🏡 Confused by mortgage types? Here’s a quick guide:
✅ Fixed: Same rate for a set time
✅ Tracker: Follows Bank of England rate
✅ SVR: Lender’s standard rate (usually highest!)

Understanding these can save you money! Need help? DM us.

👉 Click for more info https://www.keytomortgages.com/what-we-do/mortgages/


Your home may be re-possessed if you do not keep up repayments on your mortgage

🔍 MYTH BUSTED: All lenders offer the same mortgage amount ❌

Reality: Different lender, different rules! ✅

💥 Some lenders will let you borrow way more than others — even with the exact same income!

Here’s why 👇
📊 Lenders assess income differently:
💼 100% of your basic salary ✅
BUT when it comes to extra income, it’s not one-size-fits-all!
Lenders may include:
💸 Commission
⏰ Overtime
🎁 Bonuses (monthly, quarterly or annual)
🚗 Car & shift allowances
📞 Standby & call-out pay
👵 Pension income
👨‍👩‍👧 Child Benefit / Tax Credits
⚖️ Child & spousal maintenance
🏛️ Selected state benefits

➡️ Some lenders use 0% of that extra income
➡️ Others might use 50%, 75%, or even 100%
📈 So YES — your borrowing power can change dramatically depending on the lender.

📞 Want a no-nonsense, straight-talking affordability check?
📲 01202 521000
📧 [email protected]
🌐 www.keytomortgages.com



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

🌟 Stress-free re-mortgage again!

Just one meeting — Peter handled the rest. Clear advice, easy process.
2nd time using Key To Mortgages, and always A++++!

DM us to see what you could save! 💬

👉 Click for more info https://www.keytomortgages.com/what-we-do/mortgages/