tel: 01173 823 823
Contact@leafifa.co.uk
tel: 01173 823 823
Contact@leafifa.co.uk
Help understand what you can borrow, how much it will cost and what options you may have.
A free affordability check gives you a clear, realistic view of what you can borrow and what it’s likely to cost each month before you start booking viewings or making offers.
Lenders don’t just look at salary these days – they assess your full financial picture (income, regular spending, existing credit commitments, deposit size, and the loan-to-value you’re aiming for), so it’s worth getting a proper sense-check early on.
In a fast-moving market like Bristol, knowing what houses you can afford, how much you can offer and what it would cost, can help you move quickly and secure the right house when it comes up.
It can also highlight any credit-file issues early, giving you time to fix them rather than discovering a problem halfway through the application.
Understand what you could borrow based on your full situation, not a rough estimate.
See what repayments might look like at different loan amounts, terms and LTVs and explore different scenarios.
A review of your credit history can reveal problems before they derail an application.
Make sure you view homes in the right price range and make an offer with the confidence the bank will say yes.
What documents you’ll need, how valuations work, how to find the right solicitors, and the typical steps/timescales.
Online calculators can be useful, but they are often based on limited information compared to the information the mortgage lender will look at. Each lender will also have a different set of criteria, which can impact the amount they will lend.
A free affordability check looks at your actual numbers—income (including bonuses/commission where relevant), regular outgoings, existing credit, dependants and your deposit, —so you get a more realistic maximum for what each lender is likely to offer.
It can also help to disucss issues that crop up in Bristol, such as Leashold houses and how it can impact your budget.
It’s important to understand not just how much you can borrow, but how much it will cost each month.
We can also sense-check different loan sizes, terms and rates to show how repayments might change, to see how options like a longer term, a different fixed period, or a loan-to-value could affect how much your mortgage would cost.
A review of your credit file can help spot any issues early on. This may include issues that you were not aware existed.
By spotting them early it gives time to tidy them up and may help you secure higher lending amounts or a better rate.
There is little more demoralising than having to pull out of a house purchase after you have had an offer accepted.
Knowing your likely borrowing range upfront and those lenders which will accept you nd those that wont, can help you focus viewings on homes you can genuinely afford and reduces the risk of a declined application after you’ve paid for surveys or started legal work.
It also helps you make offers with confidence—especially useful when Bristol listings move quickly.
A good affordability check doubles as a simple roadmap: what documents you’ll need, how lenders assess income and expenditure, how agreements in principle work, what happens at valuation, and the typical steps and timelines from offer accepted to completion. If you’re a first-time buyer (or it’s been a while since you last moved), that clarity can take a lot of stress out of the process.
The Affordability Check is free and there is no pressure to continue with any of our services. There will also be no endless follow on marketing emails. We hope that
it’s free and no-pressure, you can use the affordability check as a clean starting point—whether you’re just browsing Rightmove, actively making offers, or planning a move in a few months. You’ll come away with a clearer idea of what’s realistic, what might improve your position (deposit, debts, credit score, paperwork), and what the next best step is when you’re ready.