Money is lent by a bank or other lender at interest. In exchange, the value of the borrower’s property serves as collateral for their loan. A mortgage is created when the terms of the loan arrangement are recorded against the title of the property.

This varies greatly amongst lenders and is also based by how long you’ve been working. While some lenders just need a pay stub from one month, others may demand evidence of income for at least a full year. Contact the UK Property Finance team at any time if you have any queries or concerns about your ability to demonstrate your ability to pay your bills.

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