If you are having problems getting a mortgage

Problem Mortgage

If you are having problems getting a mortgage, with the right help and
advice a solution can often to found. Whether you are self-employed, a
first time buyer or even if you have had financial difficulties such as
CCJs, our panel of financial advisers can offer expert assistance.

You may have difficulty in obtaining a mortgage for many different reasons, but the most common categories are:

* Self-employed with only limited accounts
* Part time or contract worker without full proof of income
* Employed full time but without proof of overtime or bonus payments
* Impaired or adverse credit history due to past or present payment problems
* First time buyer with no credit history or limited current earnings

Mortgage
brokers specialise in helping people and will work with you to identify
where the problems lie and do their best to find you a lender who will
provide a suitable mortgage.

Even if you have a poor credit
history, with arrears, defaults, County Court Judgements (CCJs), even
bankruptcy or an Individual Voluntary Arrangement (IVA), a solution can
often be found and it is well worth making an enquiry to find out,
without any obligation.

Our independent financial advisers may
also be able to help with debt problems. If you already own your own
property and are having difficulties with credit card payment or other
loans, the immediate aim in most cases would be to provide a fresh loan
from a new mortgage lender, which will replace your existing mortgage.
By consolidating all your loans into a new mortgage, it may be possible
to provide enough cash to repay your other loans and reduce your monthly
payments at the same time. Once you have sorted out your debt problems
and established a good payment record, the eventual aim would be to
remortage again with a high street lender at a lower rate of interest,
therefore reducing your payments even more in the future.