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We want to offer a helpful and supportive service for all our clients, so don’t hesitate to get in touch if you need advice or have a specific question. If there’s something you’re unsure about, check out our FAQ’s or get in touch with us directly.
What is a transfer of equity? Why should you remortgage? What is debt consolidation? What is a Product transfer? What is a remortgage? Low credit score but no missed payments? How can I increase my credit score? Why is my credit score low if I don’t have any active debts? Why is it difficult getting a mortgage without a credit history? Is there anything I can do to help with my mortgage application without any credit history? Can you get a mortgage with no credit history? How long will a Debt Management Plan (DMP) stay on your Credit report? Getting a mortgage with a Debt Management Plan (DMP)? How does Debt Management Plan (DMP) affect credit score? Can you get a mortgage with a Debt Management Plan (DMP)? What is a Debt Management Plan (DMP)? How long after an IVA can I get mortgage? Will IVA affect my mortgage? Can you get a mortgage with an IVA? Which mortgage lenders accept bankrupts? Can you qualify for a mortgage with a Bankruptcy? How long after a CCJ is registered can I get a mortgage? Can I still get a mortgage with a CCJ or default? The difference between a CCJ and Defaults What is a Default? What is a CCJ? I am from outside the EU and live here on a spousal visa, can I still apply for a mortgage? Can I still get a mortgage if I am from the EU due to Brexit? What’s the maximum age I can apply for a mortgage? Are there any lenders that will consider a director who took a minimum salary to reinvest into a growing company? I am self-employed but paid via the CIS scheme do I still have to be trading 12 months? I used to be a sole trader and now I trade under a limited company, would I have to wait 12 months after registration? I am self-employed and have only been trading 12 months can I still get a mortgage? How long do I have to be in my current job before I can apply for a mortgage? Our council tenancy is in joint names with my partner, but I wish to purchase on my own. Is this possible? I had an AIP but was declined at full application due to missed rental payments, are there lenders that will accept this? Can I buy my Right to Buy home whilst I am in a debt management plan? Why am I struggling to find a Right to Buy mortgage when I was discharged from my bankruptcy nearly 2 years ago? I am currently in an IVA can I apply for a Right to Buy mortgage? Can I use the Right to Buy discount as my deposit? Which scheme is better, Help to Buy or Shared Ownership? Can I use Help to Buy to purchase a property if I have adverse credit? Are Shared Ownership Mortgages available for people with defaults and CCJ’s? I’m being gifted a deposit by a friend, but my lender will not accept this. Are there any lenders that will? I’m struggling to raise a deposit, are guarantors accepted? How much deposit are you likely to need? I have paid off my defaults so why am I still struggling to get a mortgage? Are mortgages possible for people with defaults? Are mortgages possible whilst in a debt management plan? Can I get a mortgage with CCJ’s recorded against me? Can I get a mortgage if I am currently in an IVA? Can I get a mortgage if I have been bankrupt? How long will adverse stay on my credit file? How do I get a mortgage? Are mortgages possible whilst currently in arrears on credit commitments? I have never taken out any credit and as far as I know I have never done anything that would be considered adverse. Why am I struggling to get a mortgage? Can I get a new mortgage if I have had late mortgage payments? What is adverse credit?

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