Changed circumstances checker

Tell it how far through the process you are and what has changed, and it returns the specific things a broker will want to discuss and the evidence usually requested. It deliberately does not tell you whether you will be approved, and it does not quote any lender's policy, because neither can be known from two dropdowns. It is a preparation tool, not a decision.

    Information, not advice, and not a prediction. It does not say whether you will be accepted, does not quote any lender's criteria, and cannot see your full case. A regulated mortgage broker can advise; MortgageExplained cannot.

    For the most common version of this, see changing jobs after an AIP, or start from the changed circumstances hub.

    Adam Parker

    Adam Parker

    Founder, MortgageExplained

    Adam spent over eight years as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, so you know where you stand before you speak to a regulated broker. Every page on the site is written by Adam.

    Last reviewed by Adam Parker

    Next step

    Send us your situation

    Tell us your situation. It goes to the Mortgage Explained team by email. We are not a broker and cannot advise on your mortgage. No obligation.

    Sending an enquiry is free. We do not currently pass enquiries on to a mortgage broker or any other firm. This is information, not advice. We are not a mortgage broker and do not arrange mortgages.

    Next step

    Send us your situation

    Tell us your situation. It goes to the Mortgage Explained team by email. We are not a broker and cannot advise on your mortgage. No obligation.

    Sending an enquiry is free. We do not currently pass enquiries on to a mortgage broker or any other firm. This is information, not advice. We are not a mortgage broker and do not arrange mortgages.