Mortgages & Defaults or CCJs

Can I get a Mortgage if I have had a Default or CCJ? This is a question we get asked a lot. As you can see on our Mortgage Success stories page, defaults in themselves

My Credit Score and applying for a Mortgage

There are a few things to know when it comes to your Credit Score. The first is that there is  no “credit score”. There are 3 different credit agencies, they give you a score which

Self Employed

Applying for a Mortgage being self employed is not as straight forward as it is for someone employed. There are many different methods for calculating how much you can lend all of which will have

Self Assessments & SA302

Self Employed Mortgage Applicants, this includes sole traders and typically Directors of companies with around 25% or more shareholding in a company have their income assessed differently to those who are employed. Where as employed

Home of Multiple Occupation (HMO) Mortgages

Home of Multiple Occupation otherwise known as HMOs What are they? They are properties typically let to more than one person/family. A good example would be a property let out to students. Generally speaking, the

Bad Credit Mortgages

What is a Bad Credit Mortgage? Bad Credit Mortgages (also known as Adverse Mortgages) vary massively from lender to lender. In the main, there are 4 types of adverse: Late/Missed payments, Defaults/CCJs, Debt Management Plans

I have a stupid question

As cheesy as it sounds, there is no such thing as a stupid question. Clients often say I have a stupid question but in all honesty, most of them are questions we have been asked

What does a Mortgage Advisor do?

What does a Mortgage Advisor do? Many people think our job is to find the cheapest Mortgage. We disagree. We see our job as finding out what you want from your Mortgage. That could be