Who writes this site
Phillip is the mortgage adviser who designed and maintains the Mortgage Affordability calculator. CeMAP-qualified and actively advising clients on UK mortgages, he built this tool to give consumers the same lender-by-lender visibility that brokers have — so you can see where your borrowing potential is highest before you apply anywhere.
Every guide on this site carries his byline because he wrote or reviewed it personally — there is no content farm behind this site. We don't take commissions from lenders: Mortgage Affordability is an independent information tool, not a broker.
How content is written and reviewed
- Every guide is reviewed against current lender criteria and FCA rules before publication.
- When lender criteria change, the affected guides are updated and their “last reviewed” date refreshes — the date on each guide is real, not decorative.
- Figures shown in tools and tables come from the same lender-criteria engine that powers the affordability check, not from generic salary multiples.
- Content is information, not advice: guides explain how lenders behave so you can make informed decisions — they do not recommend specific products.
Spotted something out of date? Email [email protected] and it will be corrected against current criteria.
