Free guide · DM Financial Planning

The Home Purchase Checklist

What a lender actually looks at, and the order in which it stops being fixable. Free, in your inbox in about a minute.

What’s inside

  1. What you can genuinely borrow — and why lenders disagree by six figures
  2. The deposit, the bands that change the rate, and proving where it came from
  3. Your credit file, six months before anyone looks at it
  4. What your evidence of income says — and when to file your accounts
  5. Why an agreement in principle is not an offer
  6. The costs that are not the deposit, and what they do to your loan-to-value
  7. What to do when the valuation comes back below the price you agreed
If you draw income through your own company, the filing decision is worth more than any rate you are likely to negotiate.

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Who this is for

Buyers who are not straightforwardly employed — company directors, the self-employed, and anyone whose income arrives as a mixture of salary, dividends and retained profit.

Or just talk to us

Thirty minutes, online, at no cost. We ask where you are now and where you want to get to, then tell you what we see: the gaps, the opportunities, and what we would look at first.

No products, no presentation, no pressure. If your arrangements are already sound, we will say so.

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