Mortgage on a single income
Last updated
Buying alone does not mean giving up on owning your own home. It can be harder to get the best deal on one income, which is exactly where a specialist broker earns their keep: Angela searches the whole market, including the lenders who specialise in single income mortgages.
That includes single income parents looking to buy. The first conversation is free, and same-day decisions in principle for urgent cases.
Whole-of-market access
One adviser, start to finish
Five-star client reviews
No credit check to talk
Buying on one income
- Buying your first home alone
- Single income parent
- Remortgaging onto one income
- Limited by five times salary
- Turned down on affordability
Why single income mortgages are harder
Most lenders will let you borrow up to around five times your income. On a single salary that ceiling arrives quickly, and it can limit the options for anyone not on an extremely high wage. On one income, the choice of lender matters far more. If that one income is part-time pay, our guide to part-time mortgages shows how lenders work it out. It is a common position: 29% of first-time buyer households in England in 2024-25 were people buying on their own, one of the figures in our first-time buyer statistics.
There are some great single income mortgage providers out there. Angela's job is uncovering those hidden gems so you can proceed with a deal that fits you and your needs - both now and in the future.
How Angela helps
As a specialist independent adviser she works with lenders from across the whole market, including those who specialise in single income mortgages - and that includes single income parents looking to buy. One conversation establishes what you can borrow and which lender fits, and nothing touches your credit file without telling you first.
Based in Benfleet, Essex - advising clients across the whole of the UK.
If it is humanly possible to get you a mortgage, she will.
Fair questions, straight answers
Can a single person get a mortgage?
Yes - with the right help. Lending is about affordability, not headcount. The search is for lenders whose criteria suit a single application, and they exist.
How much can I borrow on a single income?
Most lenders allow up to around five times your income, though it varies by lender and circumstances. Angela will tell you the realistic range for your situation in the first conversation.
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Buying on a single income?
Affordability on one income comes down to choosing the right lender. See what yours could support.
Lines are open 9am to 9pm, seven days a week, and the first conversation is free.