

Single Person Mortgages
As a single person purchasing a home can seem a little daunting, with the common misconception being that you will need two people’s income to get approved for a mortgage – you don’t, and The Financial Guys can help!
Our team of mortgage professionals can help you to select the most appropriate mortgage for your circumstances, helping you to secure a property you’ll love, and will be then to help you every step of the way.
By working with The Financial Guys you can tap into our team’s years of experience, making sure you’ve considered every angle so you can be confident in purchasing your new home.

How Can We Help?
Expert Guidance
Our team of mortgage experts understands the complexities of single person mortgages – making sure we help you get the most suitable product to meet your financial goals.
Extensive Panel of Lenders
We’re not tied to any particular lender, so we’re only interested in getting you the most suitable product for your circumstances – not sales targets!
Modern & Streamlined Process
We know you’re busy so our process makes securing a mortgage as quick and easy as possible, using the latest technology and evening/weekend appointments to suit you.
What Do People Say About Us?

The Financial Guys Process
Navigating the mortgage process as a single person involves understanding your financial situation, exploring mortgage options, and preparing necessary documentation. With the right preparation and guidance, the process can be smooth and efficient. We put the essential steps in place for you to obtain a single person mortgage, tailored to your specific needs.
Initial Chat
We’ll book you in for a completely free, no obligation chat with our mortgage team to allow us to quickly assess what options might be available to you and to answer any questions you have.
Decision In Principle
After the intial chat, we’ll ask for the information and documentation we require to get you a decision in principle – this will give us an indication of how much a mortgage provider is willing to lend you for your rental property.
Find A Property
This is the fun part where you go and find a property that fits your budget. With our expert knowledge of the local area, we can help make sure that you don’t pay too much for a property and that you one you pick will help you achieve your financial goals.
Full Application
Once you’ve chosen the property and had an offer accepted, we get the ball rolling with a full application – and you’ll have the keys in your hand before you know it! We’re there every step of the way, to keep you fully up to date with the process and answering any questions you have on the way.
We Hold Your Hand Every Step Of The Way
Navigating the home-buying process can be daunting, but with our comprehensive financial service, you’re never alone. We hold your hand every step of the way, providing expert guidance and support until you get your keys.
Start Today – Book A No Obligation Chat
Our 15 minute initial chat allows us to assess the best way to help you and to answer any questions you have about buy to let mortgages.
About Us
At The Financial Guys, our mission is to help you achieve financial security and peace of mind. We understand that every client’s financial situation is different, and we pride ourselves on offering personalised advice that aligns with your individual goals and circumstances.
As a family-run business, we infuse our family values into every decision we make. This approach ensures that our clients remain at the heart of everything we do, enabling us to consistently deliver outstanding customer experience. Together, we strive to achieve the best possible outcomes for each and every one of our clients. In essence, we’re one big family working together to support and uplift our clients.

Disclaimer
Frequently Asked Questions
Can a single person qualify for a mortgage?
Yes, single individuals can qualify for mortgages just like couples or families. Lenders assess eligibility based on factors such as income, credit score, debt-to-income ratio, and employment history. Having a stable income and good credit are crucial factors in qualifying for a mortgage.
What credit score is needed to qualify for a mortgage as a single person?
The minimum credit score required varies among lenders. A higher credit score often results in better interest rates and loan terms.
What are the advantages of getting a mortgage as a single person?
- Independence: You make all decisions regarding the home without needing to consult a partner.
- Investment: Homeownership builds equity and can provide financial stability and long-term investment potential.
Can I get a mortgage if I am self-employed?
Yes, self-employed individuals can qualify for mortgages. Lenders may require additional documentation to verify income stability and may evaluate your average income over the past two years. Providing tax returns, profit and loss statements, and bank statements can help demonstrate your financial stability.
Can I refinance a mortgage as a single person?
Yes, single individuals can refinance their mortgages to potentially lower monthly payments, shorten the loan term, or switch from a variable rate to a fixed rate mortgage. Refinancing requires similar steps as obtaining a mortgage, including an application, credit check, and financial documentation.
How does homeownership affect my financial stability as a single person?
Homeownership can provide stability and potentially increase your net worth through equity buildup. However, it also comes with responsibilities such as property maintenance and unexpected expenses. Budgeting and financial planning are essential to maintain stability and protect your investment.
The Financial Guys is a trading name of Platinum Financial Limited which is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.
The Financial Conduct Authority does not regulate some forms of Buy to Let. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Contact
- 0333 012 4574
- hello@thefinancialguys.co.uk
Opening Hours

Evening and weekend appointments available.
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Registered Address: 30 Benton Road, High Heaton, Newcastle upon Tyne, NE7 7DU