Problems Getting a Mortgage?

Getting a mortgage with bad credit isn’t easy.  Not everyone has a perfect credit score or an easily provable income. It’s not just about adverse credit, quite often people struggle for no other reason that they don’t have any credit history.

However, there are lenders who will consider applications from people in these situations. As experienced independent consultants, we will help you gather all the information you need for your mortgage case. We’ll not only help you get a mortgage, but we’ll also support you in choosing the best product for your circumstances and future plans.

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Reasons Why You Might Be Struggling to Get a Mortgage

Our team of experts will help you become more favourable to lenders. It might be as simple as increasing your credit score by giving accurate, constant and provable information. All our consultants are trained to help you if you’re in a bad credit mortgage situation.

Irregular Income

People who are self-employed or receive high levels of commission or work on temporary contracts can have problems proving income, as such lenders see this as an increased risk. We know which lenders will accept an accountants reference, bank statements, or P60 as proof of income.

Adverse Credit

If you have had credit problems in the past, lenders will often see you as an increased risk and either offer a higher interest rate or terms and conditions that are not as favourable as other high street lenders.

You can find out your current credit score online. There are many things you can do to improve your credit score, many of these will work in your favour when it comes to buying a house.

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Think carefully before securing other debts against your home.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY-TO-LET MORTGAGES.
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