Refused a Mortgage Before?

Have you had a mortgage application refused by your bank or building society?

Being refused a mortgage does not always mean you have bad credit or you have missed mortgage payments. You may be refused a mortgage due to being self employed or because you have income from different jobs.

You may be surprised to know a lot of people in the UK are refused a mortgage by their existing bank or building society even if they have been a loyal customer for years.

To a specialist lender, even if you have been refused a mortgage your circumstances might not seem as bad as you might think. You may have more choice than you expect.

Each lender will consider your application differently and they may look at a number of factors.

For example, many lenders may ignore minor credit problems in the past if all other aspects of your application such as your employment history, income, and record of making mortgage or rental payments are good.

If your credit history is judged to be poor some mortgage lenders may be willing to offer a mortgage to you but at a higher-than-normal interest rate. No matter what your credit history is like even if you have been refused a mortgage , we welcome the opportunity to help you with your mortgage application.

Remember, if you have been refused a mortgage you might have more choice than you think. It pays to shop around and find out who will offer you the best deal.

Adverse Credit - The overall cost for comparison is 9.3% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Self Employment/Self Certification/No Proof of Income - The overall cost for comparison is 7.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.