A clearer answer. A practical next step.

Share your needs, preferred area, budget and timing first. Vivien will discuss them with you on WhatsApp and confirm a suitable property and viewing arrangement. Reading a guide or ticking a preparation step does not create a viewing appointment.

Individual home-loan applications are available. The bank checks the applicant's provable income, debts, credit record and property. Self-employment or irregular income is not an automatic rejection, but the bank needs acceptable evidence. A personal loan is a different product from a home loan secured on the property.

What to do next

1. Ask the selected bank for its salaried or self-employed document checklist.
2. Prepare genuine income, bank, tax and business records as requested; submit them only through the bank's official secure channel, not a public question form.
3. Let the bank assess the affordable amount before committing to a property; the lawyer confirms the buyer/title arrangement.

Using your name means taking the contractual liability. Do not lend your identity, fabricate payslips or hide a separate borrowing arrangement.

There is no single approval time for every bank or applicant. The bank needs a complete file and may require valuation, credit checks and additional documents. A calculator or preliminary indication is not a final loan offer, and approval is different from release of funds.

What to do next

1. Get the chosen bank's current identity, income, commitment and property-document checklist.
2. Confirm when the bank considers your file complete and ask for its expected review window and outstanding items.
3. Respond to requests and review the actual offer conditions with the bank and your solicitor before relying on funding.

Any bank's published service target is conditional, not a site-wide promise. Notify your solicitor early if financing may miss an offer or SPA deadline.