Are you having problems getting a Mortgage because of poor credit?

If you are, the most important point to remember is don’t panic; help is at hand. Many lenders will not accept people with credit problems and many brokers are not experienced enough to deal with clients who need specialist advice.

There are many lenders in the UK market who do not appear on the high street. As an Independent mortgage broker, we have access to them all; many of whom deal exclusively through mortgage brokers like ourselves.

With a reputation spanning many years in the mortgage market, we are regarded as one of the UK's leading specialist brokers. We sustain this reputation by offering a consistent high level of ongoing service to all our clients.

There are many reasons why normal high street lenders will decline to offer a mortgage to an applicant. Most of these reasons amount to interpretation of information obtained from credit reference agencies; and individual lending policy. These policies depend on the amount of risk they want to take when deciding whether or not to approve a mortgage case. In most cases this decision is made by a computer programme, that does not have the discretion to understand previous credit” issues”.  Examples of such “ issues” could be anything from Discharged Bankruptcy, CCJ’s, Defaults, and Individual Voluntary Arrangements (IVA), through to a couple of missed or late payments on a credit card.