Have you been told you don't 'earn enough' to qualify for the mortgage amount that you require?

The solution to this is that some lenders will allow you to borrow more than others.  

Our advisers have access to high street lenders who will allow you to borrow up to five times your annual income and specialist lenders who will allow you to borrow up to six times your annual income.

Our mortgage brokers are experienced in ensuring that lenders will use commission, bonus and overtime income in their affordability assessment. 

This may mean that you are able to purchase the property without the need for a guarantor!

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Berkley Vittoria Independent Financial Services is directly authorised and regulated by the Financial Conduct Authority.  We are entered on the FCA Register No 150186. 

Registered in England No. 2667979. Registered Address: The Stirrups, Claypit Lane, Lichfield, Staffordshire WS14 0AQ.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.


Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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