Mortgage Advice for Feltham Buyers and Homeowners

If your pay varies, prepare more than one payslip

Where income includes overtime, shift allowances, bonuses or contract work, a lender may ask for evidence over a period rather than accept the latest month's total. This applies according to your employment circumstances, not simply because you live in Feltham.

Separate guaranteed pay from variable amounts, explain gaps or recent changes and include regular commitments in the budget. Do not assume a particular lender will accept all overtime or multiply every income source by the same figure.

Feltham uses Hounslow's local housing context

Feltham is within the London Borough of Hounslow. The council's affordable-home-ownership page signposts routes such as shared ownership and discount market sale, subject to current availability and eligibility.

The council and housing provider determine their scheme rules; mortgage approval is separate. Check the actual property's rent, service charges, resale conditions and the share or discount being offered. We do not claim a council partnership or guarantee access to those schemes.

Moving costs can change the borrowing needed

If selling to buy, estimate the deposit after repaying the current mortgage and allowing for sale fees, legal costs and moving expenses. Consider the possibility of a lower sale price or a delay between transactions.

Porting an existing rate involves a new lending decision on the next home and your current finances. Any additional borrowing can be priced separately. Compare a combined port-and-top-up with a new mortgage, including early repayment charges.

Details that make a Feltham enquiry more useful

• Purchase or existing-property address and intended use.
• Income breakdown and any recent employment or contract changes.
• Deposit evidence or the outstanding loan and estimated equity.
• Your preferred budget and any expected changes to expenditure.
• For switching, the current product's end date and charge schedule.