Banks and building societies have varying risk tolerances, resulting in each having different lending criteria. This means each lender may excel in specific areas while having limitations in others. As we have access to a wide range of lenders, we aren’t limited to set criteria and can access mortgage products from lenders who specialise in particular circumstances, such as those who offer mortgages to Limited Companies for Buy to Let properties and those who provide mortgages to people with adverse credit. In all cases, lenders will consider your income, credit profile, size of deposit, and disposable income to determine your eligibility and affordability.