Loans & Mortgage
How Much Mortgage Can I Afford? The 28/36 Rule and What Lenders Check
How lenders convert your income and debts into a maximum loan, why their limit is not your budget, and a worked affordability example.
Loans & Mortgage
Home Loans
Deposit requirements, loan-to-value bands, and the documents lenders ask for.
This section collects Legamoney's explainers and comparisons on home loans. Each guide states what it covers, cites the material it relies on, and carries the date it was last reviewed so you can judge how current it is. Nothing here is personalised advice; it is background you can take into a decision or a conversation with a qualified professional.
5 published guides in Home Loans, within Loans & Mortgage.
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Home Loans
Borrower-Paid vs. Lender-Paid Mortgage Insurance
Borrower-Paid vs. Lender-Paid Mortgage Insurance: what to verify, which costs and risks to compare, and which records to keep before deciding.
Home Loans
First-Time Homebuyer Assistance: How Programs Fit Together
First-Time Homebuyer Assistance: what to verify, which costs and risks to compare, and which records to keep before deciding.
Home Loans
USDA vs. VA Home Loans: Eligibility and Cost Compared
USDA vs. VA Home Loans: what to verify, which costs and risks to compare, and which records to keep before deciding.
Home Loans
How to Get Preapproved for a Mortgage: Steps, Documents, Timeline
What preapproval involves, the documents lenders ask for, how long it takes and lasts, and the mistakes that cost people their approval before closing.