Your Home,
Your Horizon.
Expert guidance tailored to your journey, from your very first home to expanding your portfolio.
First Time Buyer
Stepping onto the property ladder is an exciting milestone — but it can feel overwhelming without the right support. At Horizon, we make the journey simple, clear, and completely tailored to you.
Our experienced advisors guide you through every stage, from understanding your budget to connecting you with trusted solicitors. With a dedicated administrator by your side, you're never alone in the process.
Remortgage
If your current deal is ending, it’s the perfect time to explore the wider market. We provide access to a comprehensive range of products, often finding deals not available on standard comparison sites.
Whether you want to release equity for improvements, consolidate debt, or simply lower your monthly payments, we tailor the perfect remortgage for your long-term goals.
Moving House & Porting
Whether you're upgrading, downsizing, or porting your existing product, we ensure your move is as stress-free as possible. We handle the complex financial details so you can focus on the move itself.
Our team assesses whether porting your current rate or switching to a new lender is the most cost-effective path for your next chapter.
Shared Ownership
Shared Ownership makes homeownership affordable by allowing you to buy a share (25% to 75%) and pay rent on the rest. It's a flexible, accessible route for buyers to get a foot on the ladder.
As your situation changes, we can help you navigate "staircasing" to increase your ownership share over time.
Adverse Credit Mortgages
A complicated credit history shouldn't stop you from owning a home. We work with specialist lenders who look at the human story behind the numbers, focusing on your current circumstances rather than just your past.
Our non-judgmental advisors clearly explain your options and find a manageable, suitable path forward for your financial future.
How much could you save?
Discover exactly how overpaying your mortgage could save you thousands in interest and help you clear your debt years earlier. Try our interactive overpayment tool today.
Monthly Repayments
Get a quick idea of your commitments.
Mortgage Affordability FAQs
Most lenders look beyond simple income multiples. Affordability is assessed by reviewing your income, regular expenditure, existing credit commitments, dependants and future interest rate stress tests. Each lender applies its own model, which means borrowing capacity can vary considerably between lenders.
Yes, income multiples are still used as an upper limit. Typically, lenders will lend around 4 to 4.5 times income, though some professional, high-earner or specialist lenders may go higher where affordability supports it.
Often yes, provided they are regular and sustainable. Lenders may:
- Use an average over 3–12 months
- Apply a percentage (e.g. 50–100%)
- Exclude irregular or one-off payments
This varies significantly by lender.
Some lenders will take a forward-looking approach, especially where:
- You have a signed contract with a higher income
- You are moving into a permanent or higher-paid role
- Your earnings trajectory is clearly improving
This is particularly relevant for professionals and contractors.
Yes. Stable professions, contractors and career-progression roles may be accepted with:
- A signed contract
- Evidence of sector demand
- Previous relevant experience
Not all lenders apply the same strict time-in-role requirements.
Yes. Even small missed payments can reduce borrowing or lender choice. Clean, well-managed credit often improves:
- Interest rates
- Loan-to-value options
- Income flexibility
Yes. Joint applications can combine different income types, including:
- Employed + self-employed
- Permanent + contract income
- PAYE + limited company income
The structure matters more than the labels.
Ready to find your perfect mortgage?
Book a free, no-obligation consultation with our friendly expert team.
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