Specialists in Bad Credit Mortgages, Remortgages, Buy to let and Council Right to Buy
In today's harsh economic climate, the raising of mortgage funds has become extremely difficult even for those of us with an excellent credit record.
In our personal experience the majority of lenders are being more cautious now than ever before and it is for that reason that the relationships that we have built up over the years with the High Street banks and building societies now play an even bigger role than in times gone by.
We are experiencing a greater level of enquiries now than in previous years and are hearing almost on a weekly basis from clients who have approached their own banks or building societies only to learn, for a whole variety of reasons, that their case has not been approved. It is therefore vitally important to us as mortgage brokers to ensure from the outset that we gather as much information as possible on potential clients' circumstances in order that we may provide the very best possible service.
Once we receive a general enquiry from a potential client this is then followed up by sending out our standard form of fact find which can also be downloaded on our site, or posted to you if you prefer. which we ask the client to complete and return. In doing this we are then armed with all the information to enable us to obtain a quick decision for clients.
An alternative to this would be for a client 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.
As a specialist underwriting broker, we have access to a wide range of facilities not available on the High Street as well as being able to negotiate hard on your behalf. It's not unusual for us to be able to place clients with High Street lenders even though the client was originally rejected. We also offer specialist services for Pensioner Mortgages and mortgages for the farming community.
Please remember that we are a broker not the lender so it is important to us that we are successful in obtaining a mortgage for our client!
Graham McCarthy (CeMap)
Managing Director
Adviser Member of the Institute of Financial Services
Thousands of satisfied clients
Thank you so much for all the work that you did for me in obtaining a mortgage. My friends keep telling me how lucky I was to get a mortgage in the current financial climate. Thank you again for all your support & help over the months, especially when the ex. nearly stalled it all.
Margaret M, SouthportNews
Getting a mortgage with bad credit
Many people across the UK may be suffering from some bad credit history which obviously may impair their abi...
Starting your application:
To get a rapid decision in principle from a lender for your loan, we need some information from you so we can identify the best deal for your circumstances. Remember, your application is confidential & we're on your side - but to get you the best deal, we need you to be completely honest about your circumstances so we can match you to the best lender. Quite often we manage to obtain High Street mortgages for clients who've been turned down when applying 'over the counter' to High Street lenders but as an underwriting broker, we have access to the decision makers and can plead your case.
For the fastest & most comprehensive response, please complete our confidential FactFind document and email or post it back to us. Call us on 01704 808286 & ask us to send you a form -or- download by clicking the icon.
get a quick mortgage quote
Accredited to
Data Protection Number: Z1552150
FSA Number: 489759
Consumer Credit Licence Number: 640240
