In the simplest of terms, it's a question of income: in order to obtain a mortgage, we must be able to convince a lender that you will be able to afford the monthly repayments. 

If you have no income at all, unfortunately we won't be able to place you with the lenders we work with, but our online form will allow you to input details of source of income other than from employment for our experts to research your options.

Most lenders will expect your total monthly debt to equal no more than 36% of your gross monthly income (including your new mortgage payments). 

If you are unemployed and don’t have a steady stream of income coming in, it will be more difficult to get your debt-to-income ratio under this figure.

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