If you buy a house solo, it might feel like a big step, but it’s more common than you think and entirely possible with the right advice, support and preparation.

Whether you’re single by choice, recently separated, or simply ready to buy without waiting for someone else, going solo doesn’t mean going it alone.

Let’s break down what’s involved in buying a house by yourself, how lenders assess your affordability, and what you can do to boost your chances of success. Check your credit report here.

Yes, You Can Buy Solo – But Be Prepared

Lenders don’t discriminate based on relationship status – what they care about is affordability. That means your income, outgoings, credit history, and deposit are what matter most.

You’ll be assessed solely on your own financial situation, so things like household bills, childcare, debts, or student loans will factor into your affordability.

What You’ll Need

If you’re buying solo, here’s what you’ll generally need to show:

• A stable income (employed or self-employed)

• A good credit history, or at least a clean recent record

• A deposit (typically 5–10% of the property price)

• Proof of identity and address

• Bank statements and payslips or tax returns

Don’t panic if you’re not perfect in every area. A mortgage broker can help you find lenders who are more flexible based on your circumstances.

Real-Life Example: Jess’s Solo Purchase

Jess, a marketing executive in her early 30s, came to us after saving for years. She worried her single income wouldn’t be enough. However, due to a strong employment record and a 10% deposit, we matched her with a lender offering a competitive fixed-rate mortgage. She moved into her first flat in Manchester City Centre within 10 weeks.

How Much Can I Borrow?

Mortgage lenders usually offer between 4 to 4.5 times your annual income. So if you earn £35,000, you might be eligible for a loan of around £140,000 to £157,500. This varies based on credit history, commitments, and lender criteria.

It’s important to have realistic expectations and also to factor in additional costs like legal fees, surveys, and moving costs.

How to Strengthen Your Mortgage Application

• Improve your credit score: Pay everything on time, avoid overdrafts, and keep credit usage low.

• Save as much as possible: A larger deposit opens more lender options.

• Reduce debt: Lenders look at your monthly commitments – fewer debts means more borrowing power.

• Get a Mortgage in Principle (MIP): This helps you understand what you could borrow and makes you a stronger buyer when house hunting.

You’re Not Alone – HFA Mortgage & Protection are Here to Help

At HFA Mortgage & Protection, we help single applicants all the time. You don’t need two incomes to get a mortgage — just the right plan, advice, and lender match.

We’ll walk you through each step and help you explore every available option.

Let’s Explore Your Options

Thinking of buying a home on your own? Let’s start a conversation. At HFA Mortgage & Protection, we offer tailored advice with a personal touch — helping solo buyers get onto the property ladder with confidence.

Contact us today to find out what’s possible for you.

Important Notice:

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £195 to £1500.

Your home may be repossessed if you do not keep up repayments on your mortgage.