We believe everyone should have the opportunity to purchase their own home.
First-time buyers sometimes struggle to obtain a mortgage from their bank for reasons such as:
• Not being a permanent employee
• Not having enough deposit
• Too many credit commitments
• Credit rating not good enough
• Property not acceptable
We believe in solving these problems. There is a huge mortgage market out there with many lenders you have never heard of offering innovative mortgage products not available on the high street.
Lenders know not everyone fits in a square box. We think outside the box.
Know someone who will go onto the mortgage with you as a joint borrower? Additional income can help you borrow a larger mortgage.
Income booster mortgages
Add someone to your mortgage with something in it for them. Your joint borrower can also build up an equity share in your property – win, win.
Developed by the House Builders Federation, Deposit Unlock allows you to purchase a newly built home with a 5% deposit. Qualifying developments only.
Adverse credit mortgages
Life happens and when it does it can affect our credit rating, lenders know this and a poor credit rating due to a life event is accepted by many lenders.
County court judgements, missed payments and Defaults are all accepted by some lenders.
Do you earn income from multiple sources? Want to use 100% of all your income? We have the answer.
Income can be used from self-employment, a limited company, residential/commercial property, or pensions or from all of them together.
Talk to our team about how we help you get on the housing ladder.
Remember | Your home may be repossessed if you do not keep up repayments on your mortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.