{"id":655,"date":"2024-04-25T18:53:21","date_gmt":"2024-04-25T17:53:21","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=655"},"modified":"2025-05-07T16:13:47","modified_gmt":"2025-05-07T15:13:47","slug":"financing","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/","title":{"rendered":"Understanding your finances"},"content":{"rendered":"<nav class=\"c-sub-nav my-5\" id=\"\">\n    <div class=\"c-sub-nav__list js-sub-nav-parent owl-carousel\">\n        <div class=\"c-sub-nav__item c-sub-nav__item--active\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/\" class=\"c-sub-nav__item__link\">Understanding your finances<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/\" class=\"c-sub-nav__item__link\">How to get a mortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\" class=\"c-sub-nav__item__link\">Types of mortgages<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-rates\/\" class=\"c-sub-nav__item__link\">Mortgage rates<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/remortgage\/\" class=\"c-sub-nav__item__link\">Remortgage<\/a><\/div><div class=\"c-sub-nav__item \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/first-time-buyers\/\" class=\"c-sub-nav__item__link\">First-time buyers<\/a><\/div>    <\/div>\n    <div class=\"c-sub-nav__controls js-sub-nav-controls\">\n    <\/div>\n\n    <template class=\"js-sub-nav-control-prev\">\n        <span class=\"visually-hidden\">Scroll left<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-left\"><use xlink:href=\"#icon-chevron-line-left\"><\/use><\/svg>    <\/template>\n    <template class=\"js-sub-nav-control-next\">\n        <span class=\"visually-hidden\">Scroll right<\/span>\n        <svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg>    <\/template>\n<\/nav>\n\n\n<h2 id=\"getting-ready-to-apply-for-a-mortgage\" class=\"wp-block-heading\">Getting ready to apply for a mortgage<\/h2>\n\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card--dark c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/credit-score\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-is-a-credit-score-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What is a credit score, and how can you improve yours?    <\/div>\n    <div class=\"c-card__content\">\n        <p>Your credit score\u202fgives mortgage lenders an idea of how you\u2019ve managed credit, and indicates how well you\u2019d manage repayments if they were to lend to you.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 6 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"row g-4 my-5\" id=\"\">\n    <div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/credit-score-mortgages\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/How-do-lenders-use-your-credit-score-resized-1024x681.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How do mortgage lenders use your credit score?    <\/div>\n    <div class=\"c-card__content\">\n        <p>Your credit score is used to give mortgage lenders an idea of how you\u2019ve managed credit in the past.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/sorting-finances\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Preparing-your-finances-to-buy-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Preparing your finances to buy a home    <\/div>\n    <div class=\"c-card__content\">\n        <p>We outline the things you could do in order to boost your chances when it comes to applying for a mortgage.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">5 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><\/div>\n\n\n\n<h2 id=\"working-out-how-much-you-can-borrow\" class=\"wp-block-heading\">Working out how much you can borrow<\/h2>\n\n\n<div class=\"my-4 my-md-5\" id=\"\">\n    <a class=\"c-card--primary c-card--dark c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/mortgage-in-principle\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Getting-your-MIP-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Getting your Mortgage in Principle    <\/div>\n    <div class=\"c-card__content\">\n        <p>A Mortgage in Principle is a personalised document confirming an amount of money which a lender believes they would be able to lend you.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\"><svg class=\"c-icon c-icon--clock c-card__meta-icon\"><use xlink:href=\"#icon-clock\"><\/use><\/svg> 4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>\n\n<div class=\"row g-4 my-5\" id=\"\">\n    <div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/how-much-can-i-borrow-with-a-mortgage\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2025\/05\/MortgageBorrow-e1746630693356.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How much can I borrow with a mortgage?    <\/div>\n    <div class=\"c-card__content\">\n        <p>If you&#8217;re buying with a mortgage, you\u2019ll want to work out how much you\u2019ll feel comfortable repaying on a loan each month.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-md-6\"><a class=\"c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/affordability\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Buying-a-property-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Buying a property: working out what you can afford    <\/div>\n    <div class=\"c-card__content\">\n        <p>Consider your savings, which you might be able to use for your deposit \u2013 as well as your income and spending.<\/p>\n    <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">4 mins<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><\/div>\n\n\n<div class=\"row mb-5 mt-4 g-4\" id=\"\"><div class=\"col-12 col-lg-6 mb-2\"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/calculators\/mortgage-calculator\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/doccalc.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Try our Mortgage Calculator<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Understand your affordability<\/li>\n<li>See your monthly repayments<\/li>\n<li>Check how much you could borrow<\/li>\n<li>Find homes that match your budget<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n                        <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><div class=\"col-12 col-lg-6 \"><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/mortgage-in-principle\"\n   target=\"\"\n   class=\"c-calculator-module c-calculator-module--tall c-calculator-module--layout-2 c-calculator-module--light \" \n   data-module-admin-id=\"\">\n    <div class=\"c-calculator-module__media\" style=\"background-image: url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/calc-medium.svg)\"><\/div>\n    <div class=\"c-calculator-module__body c-wp c-wp--flush\">\n        <h2 class=\"c-calculator-module__title\">\n            <span>Get a Mortgage in Principle<\/span>        <\/h2>\n        <div class=\"c-calculator-module__content c-wp c-wp--flush\"><ul class=\"c-checklist\">\n<li>Find out how much you can borrow<\/li>\n<li>You could get property viewings faster<\/li>\n<li>Your credit rating won\u2019t be affected<\/li>\n<li>You\u2019ll be 1 step closer to a mortgage offer<\/li>\n<\/ul>\n<\/div>\n        <div class=\"c-calculator-module__footer \">\n            <div class=\"c-calculator-module__footer__item c-calculator-module__powered\">\n                            <span>Powered by<\/span> <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/04\/NBS-logo.svg\" alt=\"Powered by\">\n                        <\/div>            <div class=\"c-calculator-module__footer__item c-calculator-module__footer__item--cta\">\n                <div class=\"c-calculator-module__cta\">\n                    <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/a>\n<\/div><\/div>\n\n<div class=\"c-spotlight\" id=\"\">\n    <div class=\"c-spotlight__header\">\n                <div class=\"c-spotlight__legend\">Spotlight News and Guides<\/div>\n                <h2 id=\"mortgage-rates\" class=\"c-spotlight__title\">MORTGAGE RATES<\/h2>\n                <div class=\"c-spotlight__action\">\n            <a href=\"https:\/\/www.rightmove.co.uk\/news\/\"\n               target=\"_self\"\n               class=\"c-spotlight__cta\">\n                <span class=\"visually-hidden\">Read more about: Read now<\/span>\n                <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>            <\/a>\n        <\/div>\n            <\/div>\n\n        <div class=\"c-spotlight__body\">\n        <div class=\"row g-3\">\n            <div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\" target=\"\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/mortgage-rates-tracker-2-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        What are the current UK mortgage rates?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE RATES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/base-rate-cut-feb25\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/Interest-rates-change-resized.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        Interest rate cut to 4.5%    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">INTEREST RATES<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div><div class=\"col-12 col-lg-4\"><a class=\"c-card--dark c-card--media-70 c-card--spotlight c-card\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/what-is-a-mortgage-term\/\" target=\"_blank\"><div class=\"c-card__media\" style=\"background-image:url(https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2024\/05\/What-are-mortgage-terms-resized-1024x683.jpg)\">\n<\/div>\n<div class=\"c-card__body\">\n    <div class=\"c-card__title\">\n        How do mortgage terms work?    <\/div>\n    <div class=\"c-card__content\">\n            <\/div>\n        <div class=\"c-card__footer\">\n        <div class=\"c-card__meta\">MORTGAGE TERMS<\/div>\n        <div class=\"c-card__cta\"><\/div>\n    <\/div>\n    <\/div>\n<\/a><\/div>        <\/div>\n    <\/div>\n    <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Early Repayment Charges may apply if you leave your current mortgage during the fixed-rate period. Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting ready to apply for a mortgage Working out how much you can borrow Please note: Your home may be repossessed if you do not keep up repayments on the mortgage. Early Repayment Charges may apply if you leave your current mortgage during the fixed-rate period. Rightmove is not authorised to give financial advice; the [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1103,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-655","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding your finances - Rightmove<\/title>\n<meta name=\"description\" content=\"From getting ready to apply for a mortgage, to working out what you can borrow, we&#039;ll help you understand your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/financing\/\" \/>\n<meta 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