Proven Maternity Leave Mortgage Advice

Save time, your sanity and money by using our free mortgage advice service that specialises in cases where an applicant is currently, or about to start maternity leave. 

  • Fee-free whole-of-market mortgage advice
  • Experts in maternity leave mortgage applications
  • Part of the Simply Group. Who have featured in:

Tailored Maternity Mortgage Solutions

Huge Choice

Save Time & Protect Your Credit Score

Quick Decisions, No Delays

Applying for a Mortgage While on Maternity Leave?


It Shouldn’t Be This Difficult.


Getting a mortgage should be a straightforward process — but if you're currently on maternity leave, you might be facing unexpected hurdles.


Maybe a lender has told you that your income doesn’t qualify, even though your finances are stable. Or perhaps you’ve been offered far less than expected because your current pay reflects your maternity leave, not your usual earnings. Some banks may even treat your application as higher risk, simply because you’re temporarily away from work.


It’s Not You — It’s How Lenders View Maternity Leave.


Most high street lenders take a rigid, short-sighted view when it comes to maternity leave. They often assess affordability based on your current reduced income — ignoring any enhanced maternity pay, return-to-work agreements, or future salary projections.


Even if you have a confirmed return-to-work date or you're receiving top-up pay from your employer, some lenders still treat your application as if your income has permanently dropped. And if you're planning to return part-time or rely on partner income or benefits, that too might be overlooked.


The Right Lender and Approach Makes All the Difference.


At Bright Future Mortgage Advisors, we work with lenders who take a more flexible and realistic approach. We understand that maternity leave is temporary — and we’ll help you find a mortgage provider who sees the bigger picture.


We can match you with lenders who consider your pre-leave salary, enhanced maternity pay, official return-to-work plans, and household income — giving you access to the borrowing you actually qualify for, without unnecessary stress or setbacks.


Let’s Make It Easier.


To find out how much you could borrow, simply fill in our quick online enquiry form. One of our experienced mortgage specialists will get in touch to guide you through your options and connect you with the right lender for your situation.


You're planning for your future — let’s make sure your mortgage supports it.

Connect With Our Experienced Mortgage Advisors

We'll simply send you an email with the next step
Or call 01245 206 030

Contact Us

We will NEVER share your information with third parties

"Their expertise in finding the right product and explaining the process really helped put our minds at ease and having someone who responds quickly with transparency and plenty of detail is great. "


Ben & Amie (November 2024)

We're Trusted by 100+ Mortgage Lenders

We work with all major and specialist UK lenders, so whatever your situation, we’ll likely find a solution.



If not, we’ll explain why—and what you can do to change that.

What We'll Do

Source your mortgage deal

Submit your application

Pre-underwrite your case

Support you until you move in

"From the very beginning everything was smooth and explained clearly, they had no issues with answering any questions or concerns we had. Any issues throughout they was able to sort for us. Fantastic with updating and responding quickly."


Michael & Kayleigh (January, 2025)

FAQ

  • What is a mortgage advisor?

    A mortgage advisor guides you through your application, helping you understand deals, lender criteria, and avoid early rejection—saving you time and money.

  • Why is your service free?

    We're paid commission by the lender, not you. Some brokers also charge a fee, but we don’t.

  • What happens when i send my email to you?

    We'll email you to arrange a convenient time for a call.

  • I'm not ready yet to move yet, should i still contact you?

    We're happy to advise, and you can reach out when you are.

Tailored Maternity Mortgage Solutions

Huge Choice

Save Time & Protect Your Credit Score

Quick Decisions, No Delays

Specialist Maternity Leave Mortgage Advice

  • Understand how much you can borrow
  • Know which documents you'll need
  • Understand the fees and the processes involved

Connect With Our Experienced Mortgage Advisors

Contact Us

We'll simply send you an email with the next step
Or call 01245 206 030
We will NEVER share your information with third parties