Most mortgage lenders will typically offer between 4 to 4.5× your income. But with homeownership feeling increasingly out of reach, the mortgage market is evolving.

New schemes like 6× income mortgages are being introduced to help boost borrowing power for eligible buyers.

At Dimora Mortgages, we help you cut through the noise and instantly explore the best options to increase your borrowing potential, all tailored to your circumstances.

At Dimora Mortgages, we specialise in helping first-time buyers, home movers, and remortgagers boost their borrowing power so they can afford more, without the confusion.

With access to a wide array of lenders, from high-street names to specialist schemes designed to stretch your budget, including up to 6× income mortgages, we make it easy to find the right fit for your finances.

🏡 Expert advice
📊 Smart affordability checks
✅ Whole-of-market access
💬 Friendly, jargon-free support

Hundreds have already trusted Dimora to help unlock their dream home, now it’s your turn.

The short answer? It depends.

Once you’ve submitted your application, most mortgage offers take 1–3 weeks to be approved (although some can be agreed within minutes) but that’s assuming everything’s in order. Things like missing paperwork, slow responses from employers/accountants, or extra lender checks can cause delays.

At Dimora Mortgages, we help you get mortgage-ready from day one. That means:

✅ Gathering the right documents upfront
✅ Matching you with the most suitable lender
✅ Speeding up the process with expert handling

We keep things moving, chase what needs chasing, and keep you updated every step of the way, so you’re never left in the dark wondering what’s next.

Want to get a head start? Chat to us today and we’ll get the wheels in motion.

The minimum deposit most lenders accept is 5% of the property’s value. However, more lenders are now trying to bridge the gap of the struggles of saving a large deposit an there are now a number of options for people with smaller deposit or zero deposit at all.

When you go directly to a bank, you’re only seeing their own mortgage products and they’ll only tell you if you qualify for their deals. A mortgage broker like Dimora has access to thousands of deals across dozens of lenders, including rates that aren’t available directly to the public. We do the legwork, compare the market on your behalf, and recommend the most suitable option for your circumstances, not just what one bank happens to offer. In most cases, using a broker saves you both time and money.

There’s no single magic number. Different lenders have different criteria, and your credit score is just one part of the picture. That said, a higher score generally means more lenders and better rates. Even if your credit history isn’t perfect, there are specialist lenders who cater for this, and we work with many of them. The best thing to do is speak to us and we’ll assess your full situation and let you know exactly where you stand.

We recommend starting the process around 3 to 6 months before your current deal ends. This gives you enough time to explore your options, get advice, and lock in a new rate without rushing. If you leave it too late and your deal expires, you’ll likely roll onto your lender’s standard variable rate which is almost always significantly higher. Even if you’re mid deal, it’s worth having a conversation to see if switching early makes financial sense.

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