Hot Topics

Income Multiples Explained
If you are an employee, the majority of mortgage lenders will calculate the maximum size of a mortgage loan based on your salary.
How long are mortgages usually for?
As with any loan, you can choose to take your mortgage out for any amount of time – however the norm is 25 years.
Can I Get a Mortgage With A Group Of Friends?
You are allowed to get a mortgage with up to three friends in the same way that you are allowed to get a mortgage with a partner – an idea that is appealing to more young professionals at the moment.
What Are The Different Ways You Can Pay Off a Mortgage?
Capital & Interest - otherwise known as a repayment loan. The borrower pays an amount each month to cover the amount borrowed and the interest charged on that.
Cashback Mortgages
Cashback Mortgages provide you with a lump sum of cash upon completion of the property purchase, either as a percentage of the mortgage or a fixed sum.

What Happens If I Am Refused A Mortgage?

If you are refused a mortgage it will be because you have a poor credit rating and/or a bad credit history.

Any of the following could result in you being refused a mortgage: County Court Judgements, previously declined applications for credit, defaults on payments, mortgage arrears, repossession of property or cancellation of a credit card by the credit card company.

If your application for a mortgage is rejected then you need to find out exactly why before you make another mortgage application. The first place to start is to ask the lender why your application was rejected.

The next step, if it is due to your credit history, is to contact the credit reference agency in question for a copy of your credit report, and make sure that any inaccuracies or out of date information is removed from your credit report. The lender will be able to give you the contact details for the credit reference agency they used. You need to do this within 28 days of being turned down.

If you were refused a mortgage because your earnings are not high enough, or you cannot provide a Guarantor - you will simply have to shop around for a mortgage lender that is prepared to offer you a mortgage.

Fill in our quotation form to be referred to a leading UK broker - we guarantee that whatever your situation we’ll have a mortgage that’s right for you and your circumstances.



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