Speaking to a Hindi-speaking mortgage adviser in the UK

Understanding the income a lender may use

A salary figure can look straightforward until a mortgage application includes overtime, bonuses or a second applicant. If you prefer to work through these details in Hindi, prepare the individual income sources before the first conversation. This guide is in English and helps you organise those questions.

Separate regular pay from variable income

Gather payslips, bank statements and employment details, and identify which payments are basic salary, overtime, commission or allowances. Explain any recent job change or temporary payment.

Lenders may treat these amounts differently and may ask for evidence over different periods. A calculator cannot establish which income a lender will accept. Ask the adviser to explain the assumptions used in any borrowing estimate.

If two people are applying

List both applicants’ earnings, credit commitments and regular costs. Do not assume that adding a second applicant always increases borrowing: their debts and spending can affect the assessment too. Ask how each person’s income and circumstances have been considered.

Overseas earnings and residence questions

If any income is paid abroad, record the currency, country, employer and how it reaches your account. If your right to live in the UK is time-limited, explain that at the outset. These are individual circumstances, not assumptions based on speaking Hindi.

Ask whether the adviser has relevant experience and what documents or translations a proposed lender may require. Currency conversion and income adjustments depend on the lender.

Leave the meeting with clear assumptions

Request a written summary identifying the income used, excluded payments, likely document requests and unresolved lender checks. Ask for unfamiliar wording to be explained in Hindi, confirm fees and permissions, and use the affordability tool only as an illustration before requesting advice.