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Who lends the most for a mortgage?

Finding out which lender is going to let you borrow the amount you need isn’t easy. Find out which provider lends the most for a mortgage.

Finding the right deal from a sea of mortgage lenders is probably going to be one of the most challenging things throughout your mortgage journey. Now, the problem may be that you want to borrow as much as possible. Many will ask both friends, family, professionals and the internet: ‘who lends the most for a mortgage?’. To find out all you need to know about mortgage lenders, read our article. We’ll be covering and trying to answer the question; ‘who lends the most for a mortgage?’.

So, which mortgage lenders lend the most for a mortgage?

Well, the answer isn’t clear. See, it’s not about which lender can offer you more or less for your mortgage, it’s about whether you can afford to borrow the amount you want. Let’s break it down.

Mortgage lenders will subject you to strict affordability criteria, meaning they’ll use things like your credit score, income and expenditure to assess whether you can afford the mortgage amount you’re applying for. It’s not about which lender can give you the largest amount for your mortgage, it’s more about what you earn, what you’re outcomings are and whether or not your credit score matches the lenders affordability checks.

Mortgage Lender’s Criteria

As we’ve explained in many other posts, the things that can stop you from getting the amount you want for a mortgage are:

  • The amount you earn – lenders want you to have a high enough income to sustain your mortgage repayments.
  • Your credit score – if you’ve got a poor credit score you may either have your application denied, the amount you want to borrow decreased or the interest rates on your mortgage increased (to compensate for bad credit).
  • Monthly expenditure – if you’ve got high expenditure or debt it can affect the amount you can borrow for a mortgage.
  • As well as other factors

However, hope is not lost. Where there is a will, there’s a way…

What you can do

Whilst you may find that lenders aren’t giving you the amount you desire for your mortgage, there’s a way around it. Luckily, there are guarantor mortgages. It’s a way of borrowing that means you don’t have to rely on your own credit score and income as a means to get a mortgage. Instead, you have a guarantor who co-signs your application to agree that should you be unable to cover any repayments on your mortgage, they will cover them for you. To find out all you need to know about guarantor mortgages, click the link.

How we can help

Our handy tool allows you to search the market for a mortgage deal that’s right for you. You’ll be able to enter in your income, your deposit amount and more to get a tailored mortgage deal delivered right to your screen. MO focuses on comparing mortgages that are right for you and your situation, comparing 1000s of mortgage rates and deals from 100s of lenders – both banks and building societies.

All of our services are free to use – no credit card needed!

Click to see our list of the Top 20 Lenders of 2018!


Laura Waller

Laura Waller has been working in the mortgages industry since 2013, joining an independent brokerage in Essex. Laura has CeMAP 2 & 3 – Certificates in Mortgages Advice and Practice. Since then Laura oversees marketing for Mortgages Online, using her experience and expertise to write articles and blogs about mortgages and related topics.

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