Can I still get a Mortgage with a Poor Credit profile

Many clients come to us worried that having a Poor Credit profile may prevent them from obtaining a mortgage. In todays very competitive market place having a Poor Credit profile may restrict your choices of lenders, where the High Street lenders who base their decision to lend on credit scoring is totally different from the […]

Is This a Good Time To Get On The Property Ladder

With all the uncertainty in the UK at this time because of the issues regarding will we, or will we not leave the EU should we be looking to buy a property ? The answer in today’s property market is very clear, this is probably the best time to buy a property since the recession […]

Can I get a Mortgage if I am in a Debt Management Plan?

The great news in todays very competitive mortgage market is that Yes we can help you, providing that during the time that you have been in the DM plan you have conducted this on a satisfactory basis. For clients in this position the news gets even better when we advise you that at 85% LTV […]

Mortgages and House Purchase May 2019

With all of the uncertainty in the financial markets due to the unsolved problem of Brexit, is now a good time to buy a property particularly if you have a Poor or Bad Credit profile. The good news is for first time buyers this is an excellent opportunity to get onto the property ladder and […]

Poor and Bad Credit Mortgages

Are we at long last starting to see a number of the more traditional lenders now taking a view on mortgage applications that would have normally been declined  on credit score. It is very interesting to see the way the mortgage market maybe changing as business has become a little more tough due to that […]

Buy To Let Mortgages Going Forward

With the changes made by HMRC existing Landlords now have to take a long hard look at the future to see if their existing portfolio makes sense in the long term. With the changes coming into effect in 2020 in the manner in which tax relief is currently  calculated for mortgages payments being made, it […]

Are in or have been in a Debt Management Plan

The excellent news for clients is that we are now able to consider clients for a mortgage even if you are still in a Debt Management Plan, provided that the plan has been conducted satisfactorily and the repayments fit within the lenders affordability plan. Most clients in the past had almost given up the thought […]

Mortgages for Discharged Bankrupts

The good news for discharged bankrupts is that we can now arrange a mortgage as soon as you are discharged. You will have to find a 30/35% deposit depending on your credit profile after discharge and the terms will reflect the presumed risk, but a mortgage can be agreed, The news gets better after each […]