Specialists in Adverse Credit Mortgages, Remortgages, Buy to let and Council Right to Buy.
In our experience, the majority of mortgage lenders are being more cautious now than ever before and the current economic climate makes successful mortgage applications difficult even for those of us with a perfect credit record.
We have many years experience within the mortgage industry and it’s these relationships, built up over the years with the High Street banks and building societies, that now play an important role in assisting clients find the right mortgage for their own particular unique circumstances.
We’re hearing from clients on a regular basis who have asked their own banks or building societies for a mortgage only to learn, for a whole variety of reasons, that their application has failed.
If your circumstances are in any way unusual, non-standard or you have some past credit difficulties blighting your record then that’s where we come in. As a specialist underwriting mortgage broker, we help navigate the many different mortgage products available and find the right mortgage and the right lender to suit your circumstances. And we’ll be there to help you every step of the way – we’ll even do most of the paperwork!
How the application process works?
It’s vitally important to us as mortgage brokers to ensure from the outset that we gather as much information as possible on your circumstances so that we can provide the very best possible service.
Once we receive your enquiry, we’ll ask you to complete – at no obligation – our standard Fact Find form. (You can download this from our site & return it to us Freepost)
We’re then armed with all the information we need for us to obtain a quick decision in principle for you.
Equally, you’re welcome to call the office during normal working office hours (9am – 6pm) and spend ten or fifteen minutes on a telephone call and we can then see if we can get you a general decision in principle at that stage. Please quote Ref: SCR so we know how you found us.
Whatever your requirements are, be it a general purchase mortgage, re-mortgage, buy-to-let, Self-employed or adverse credit mortgage, we’ll work as hard as we can to help you make the property purchase you want.
Please remember that we are a broker not the lender so it is important to us that we’re successful in obtaining a mortgage for our client and we take a pride in getting good results in even the most complex & difficult cases.
You may be required to pay a broking fee. The fee will depend on your circumstances, an indication is 2.5% of the loan subject to a minimum of £2300.
The overall cost for comparison is 4.6% APR but the actual rate available will depend upon your circumstances. Please ask for a personalised illustration.
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.