Mortgage broker or financial advisor?

[NorthAngel]

Hi,

I'm going through a divorce which is approaching the final stages. I want to know what I can afford, on my current and potential salary (I have an interview coming up for a higher grade role), without eating too much into my disposable income. I’m set to get, at present, half of the family 4 bed detached (mortgage free).

Im guessing a mortgage broker is required when I have sold my house and put an offer on a house but I need some advice for different scenarios. Who is best to speak to?

Also, needs to take into account my pension (NHS) although I’d rather not use this for a house.

What you can afford in terms of mortgage you mean? A mortgage adviser will be fine. I would use an IFA for pensions and investments advice, I work with both IFA's and Mortgage Advisers.

You need anything but the internet in the first instance.
You presumably have an idea of what equity you’re taking from the house?
You also know your current and potential salary.
So any online mortgage search will tell you what mortgage amount might be available up you.
A mortgage broker can then help you with which are the best deals, and more specific questions like how long you’d need to earn your new salary for each lender to consider it.

Having worked out what you’re likely to be able to borrow, the best person to calculate what you can afford is you. You know your other outgoings, your attitude to risk, how secure your job is…