Sky News - 'They're unsellable': Mortgage broker on six-figure salaries and the property type that's become a nightmare to sell

A perfect mortgage applicant would have... proof of income, a good deposit, a great credit score and be buying a relatively standard property that shows up on the lenders' online valuation systems. Lenders use desktop valuations to do quick online checks to make sure properties are a good security. The process is often a bit slower if the lender needs to book a valuer to inspect the property.

If people want to get a mortgage without a broker, my best advice is... don't assume they'll offer the best mortgage for your circumstances. Compare deals from several lenders, check all the fees as well as the interest rate, and make sure you understand the lender's criteria before applying to avoid unnecessary credit searches.

There is a common misconception that... it is always hard to get a mortgage if you are self-employed. As long as you have done your tax returns and/or company accounts, it really isn't any harder than someone with a basic salary.

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