Yes. Using an overdraft can affect your mortgage application. Many mainstream and specialist lenders may still consider you. Underwriters focus on how you use the facility. Understanding Overdrafts and Their Impact on Mortgages Arranged overdrafts that are used occasionally and cleared promptly are often seen as lower risk. In contrast, unarranged usage or persistent reliance at the end of the month is viewed negatively. Lenders typically review the last 3 to 6 months of

Applying for a mortgage is exciting, but don’t let easily fixable credit report mistakes ruin your chances of approval. Your credit...

Flats above shops are common across UK high streets, often good value and in great locations. Getting a flat above shop mortgage  is possible, but lenders see these as non-standard, so criteria can be tighter. In this guide you will learn how financing works, what lenders look for, typical deposit ranges, how the business below the flat affects risk, and when a broker can add real value. Manor Mortgages Direct has advised clients for nearly 30 years, we are highly positively