Reading Mortgage Broker

Reading sits in the middle of the Thames Valley technology and business corridor, where a sizeable share of pay often arrives as bonus, commission or shares rather than basic salary. Lenders differ widely on how much of that they will recognise and most want a track record of two years or more. Bonus income, commission and share schemes such as RSUs are each assessed under separate policies.

Not in itself. Lenders assess your income, deposit and outgoings rather than where you commute to, and a London salary against Reading prices often works in your favour. Since the Elizabeth line reached Reading this has become a common pattern. What does matter is how the package is structured, because London roles more often carry bonus or share elements that lenders treat cautiously.

That depends entirely on how much of your variable pay a lender will recognise, which is why two lenders can offer very different amounts on identical earnings. Town centre flats and the newer developments around the station sit at a different price point to the Victorian streets out towards Caversham, so it is worth establishing what you could borrow before you narrow down an area.

No. Advice is fee-free for every client, whatever the size or structure of the mortgage. We are paid a commission by the lender once the case completes, and that is the only payment involved. Our advisers work from Bath and handle Reading cases by phone and video.