Have a question?
Find answers to some of the questions asked most frequently by our clients
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I have been turned down by my current lender, can you help?
We will try to figure out and understand what went wrong and advice you accordingly i.e whether to appeal or find a new lender. With our expertise and years of experience we are able to help many customers secure a mortgage offer after they have been turned down elsewhere.
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Am I too old for a mortgage?
The probable answer is No as there are lenders in the market who can offer the mortgage until the later age, typically up to the age of 75 or 80. This is because they would expect you to payoff your mortgage by the time you retire. So if you can still work till this age you should be able to get mortgage. The terms and repayments options will vary depending on both your age and your personal and financial circumstances. We can recommend the one that suits your needs. Complete our short form today and we will call you back.
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Are we regulated by FCA?
Yes all our mortgage brokers, including firms and individuals, are regulated by the Financial Conduct Authority (FCA). You can check the Financial Services Register online – register.fca.org.uk
The FCA only protects mortgage advice where it relates to a borrower’s own home. This means that mortgages for holiday lets, most buy to lets and bridging loans are not regulated and not protected.
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What is Joint Borrower Sole Proprietor Mortgage? Do you help?
Joint Borrower Sole Proprietor mortgages are mortgages where not all applications are required by the lender to go on to the Title Deed of the property but can still use their income towards affordability. Yes, we have assisted many clients with Joint Borrower Sole Proprietor mortgages. Please refer to our services section for more details.
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Why do I need mortgage broker?
We have access to wide range of lender across the market which will help you to secure right mortgage for your circumstances. Our qualified and regulated advisor can provide you hassle free process and bespoke solutions after reviewing your options. Some lenders only offer their product to the broker, with our help you could gain access to those products.
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I have CCJ on my credit file, does it stop me from getting a mortgage?
Yes it is possible to obtain a mortgage when you have CCJ on your file depending upon number of CCJ’s, amount and date of registration/ satisfaction.
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I am self-employed and only have one year completed in my business, can I apply for a mortgage now?
Yes, it is possible to get a mortgage on completion of 1st year of business provided you have submitted tax returns and necessary filings are complete.
