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Introducing the First Mortgage Report: Prepare, Strengthen, and Support Your Application

Applying for your first mortgage? Most first-time buyers focus only on saving a deposit — but lenders are looking much deeper. They’ll examine your financial history, credit conduct, income patterns, and affordability in detail — often going back months or even years.

That’s why we created the First Mortgage Report: a powerful, personalised document designed to help you understand and improve your mortgage readiness while providing supporting evidence lenders can rely on for decision making.

Why This Report Matters

UK mortgage lenders are bound by FCA regulations, specifically the Mortgage Conduct of Business (MCOB) rules. Under MCOB 11.6, lenders are required to assess whether an applicant can afford the mortgage, not just at the point of application — but over the long term, including under stress-tested conditions like interest rate increases or changes in income.

🛡️ MCOB 11.6.2R: A lender must ensure that a mortgage is affordable for the customer based on verified income, committed expenditure, and future financial resilience.

This means lenders look closely at:

Your income stability and source(s)
Your financial conduct over time
Spending and saving behaviours
Debt management and credit usage
Financial resilience (can you weather future changes?)

Simply having a deposit is no longer enough.

The First Mortgage Report helps you see what they see — and take action to address potential obstacles before they become barriers, helping you prepare and present yourself as a credible, reliable borrower.

What the Report Includes

Your personalised First Mortgage Report will provide:

A breakdown of your current income, outgoings, and financial health
Guidance on affordability and potential borrowing power
Identification of any risk areas (e.g. debt ratios, missed payments)
Actionable steps to improve and strengthen your position
A structured financial summary that can be shared with lenders

Use It as Supporting Evidence

Lenders are not only looking at where you are — they want to see how you got there. The First Mortgage Report lets you demonstrate:

Positive behavioural change (e.g. reduced debt, consistent savings)
Improved credit conduct over recent months
Efforts to build financial stability and reduce risk
Clarity of income — especially important if you're self-employe
Commitment to long-term affordability

This level of transparency and proactive financial management helps build trust with lenders, especially if you're coming from a complex background, such as:

Freelance or variable income
Historic credit issues
Recent job changes
Previous overdraft or missed payment history
First Time Buyer

With your report, you’re not just another application — you’re a well-prepared, transparent, and improving borrower.

Who Is It For?

First-time buyers planning ahead
Buyers with complex income or credit
Applicants seeking to maximise borrowing power
Anyone preparing to speak with a lender
Self-employed, contract workers, or irregular earners

Stand out to Lenders. Strengthen your case.

Mortgage decisions are no longer made on headline figures alone. Your First Mortgage Report shows that you’ve taken ownership of your finances, improved your position, and understand what responsible borrowing looks like — aligning with how lenders are now expected to assess and treat applicants.

Don’t just hope for a “yes", Give them every reason to say it!

Purchase your First Mortgage Report today and take control of your mortgage journey — with facts, evidence, and strategy on your side.