Get the right

Single Parent Mortgage

for your situation

Single Parent Mortgages

5/5

"Friendly, Professional & Great to Work with!"

Is it possible to get a Mortgage as a Single Parent?

As a single parent, you may be facing a few challenges when securing a mortgage. With one salary and sole responsibility for childcare, proving you can make mortgage repayments can be tough.

However, single parent status shouldn’t prevent you from applying for, and securing, the right mortgage to suit your family’s needs.

At trufe., we’ll be there to support you when you’re facing the challenging questions that might be asked when you apply.

Our mortgage brokers can help you prove affordability and find the lenders who are most likely to accept your application.

Assessing your Affordability

The higher your affordability score, the greater chance you have of securing a mortgage. Mortgage lenders will look at your income minus your outgoings to assess affordability. But many will expect a single parent’s outgoings to be quite high.

However, mortgages for single parents often take into account your income as a whole. This is more than simply the salary you’re paid.

As a single parent, your mortgage lender is likely to consider child benefit, tax credits, and child maintenance payments – court-ordered and non-court ordered – that you receive. These payments will significantly help balance your outgoings and can have a hugely positive effect on your affordability rating.

At trufe., our mortgage brokers will look at your overall income and help you prove payment surety as a single parent, demonstrating how you’ll be able to afford every monthly repayment.

Understanding your Circumstances

We understand the situation that’s led you to make a mortgage application as a single parent might be a complicated one. So trufe’s mortgage brokers will chat through your individual circumstances to find the mortgage that’s right for you.

We’ll look at your personal situation, manage your expectations, and guide you through which questions may be asked and how best to answer them.

Whether you’re going through a divorce, looking to end joint liability on a previous mortgage, or balancing high outgoings with a reduced income, we’ll support you with personal advice every step of the way.

Working with a Mortgage Broker

Applying for many mortgages, only to find lenders keep rejecting your applications, is hugely stressful. At trufe., we know which mortgage lenders are most likely to consider all your income when assessing your application, improving your likelihood of meeting affordability criteria.

As a single parent, your time is even more precious. Working with trufe. gives you access to our experience and understanding of the full mortgage lender market, saving you stress and time when securing your mortgage application.

 

5/5
Professional & Quick Service.

Ben has done everything we have asked of him and was very professional and a quick service.

5/5
Absolutely Fantastic

Wendy Wilson our broker was absolutely fantastic she worked so hard to get us the mortgage we required in a very short time and under pressure as the chain was falling apart.

5/5
Stress-Free

Less than a month ago I never thought it was possible but Sarah has made house buying for the first time as easy and as stress-free as possible. Always very professional and has gone above and beyond to make sure I fully understand what is happening at every stage.

5/5
Buying my first home a doddle

Highly recommended. Sarah offers a friendly and efficient service. I have an extremely busy lifestyle, so had very little free time on my hands. Sarah made sure that she took care of everything while carefully considering my personal needs. I cannot recommend her services enough, she’s made buying my first home a doddle.

5/5
I Heartily Recommend Them

My mum gifted my partner and I her home and Trufe handled it. Sarah is so quick, thorough and professional she impressed all of us. Should I ever need a mortgage advisor in the future this is where I will go. Absolutely fabulous service and I heartily recommend them.

5/5
Amazing Service

Complex mortgage case. More well-known brokers were less helpful. Always available to help and answer questions. Dan was great and really put me at ease. Took the stress out of the process.

Trustpilot Customer  (Trustpilot) | Mortgage Broker Dan

Free Mortgage Review!

We’re also really flexible, so we’ll meet or chat with you at a time that suits your work patterns and childcare commitments, whether it be the evening when the kids are in bed, or on the weekend when you have a moment to yourself!

Get in touch and let us explain how we can help and answer any of those questions that have been on your mind. There are no obligations or expectations for you to apply – we’re here to support and help you better understand what’s available to you.

 

Your Single Parent Mortgage Sorted

Start a Quick & Easy Review with one of our expert Mortgage & Protection Advisors.

No matter what your financial situation we look to save you money every month with great deals that maximise your strengths with the very best providers in the market.​