Morgtage Advice Tailored to You

Applying for a mortgage can be stressful, so having some expert mortgage advice can offer some real peace of mind. Some mortgage applications are straightforward, while others can be more complicated – for example, if you’re self-employed or claim some kind of income ‘top up’ benefits, you may be more limited in regards to the lenders you can approach.

As an experienced advisor, I don’t just help new applicants to find the right mortgage for their needs – sometimes I’m asked to step in when something’s gone wrong too…

Had a mortgage application rejected?

Many people go directly to their bank to apply for a mortgage, or make an application without first seeking advice or looking carefully at the terms – only to find that subsequently, their mortgage application gets rejected.

If this sounds familiar, don’t worry, it doesn’t necessarily mean that your dreams of owning or keeping your home are in jeopardy – where one lender may refuse you, another will be happy to lend you what you need. People are rejected for all different reasons, such as:

  • You have an insufficient credit rating
  • You’ve recently declared bankruptcy
  • You fail to meet their particular criteria
  • You’ve defaulted on credit payments
  • You don’t have a big enough deposit
  • You claim tax credits or another benefit

If any of the above applies to you, it’s still worth having a chat with me to see if I can help. These factors don’t automatically mean that you’ll be rejected for any application you make – it can simply be a matter of finding the right lender. If we still can’t meet a lender’s affordability requirements or tick the right boxes, I can offer you advice on building your profile to give you a better chance of being accepted a little way down the road.

Don’t let one mortgage application rejection stop you trying to buy the property you’ve set your heart on – give me a call on 01226 693001 and we can arrange a meeting to see if I can find a more suitable lender for your circumstances.