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High street lenders struggling to keep up with your life?

We may be able to help.

We understand that modern lives are often too big for tickboxes – and there's no such thing as an 'average' mortgage application any more. But try telling that to the big names.

If you can say 'Yes' to three or more of any of the below, a high street lender may find it hard to give you a mortgage or secured loan.

If this sounds like your life, give us a call.

  • Is your chosen property situated in a high-rise block six or more storeys tall?
  • Is your chosen property an ex-council property?
  • Is your chosen property made of something other than bricks and mortar?
  • Have you been told that your chosen property is 'uninhabitable', or needs structural repairs?
  • Have you been self-employed for less than two years?
  • Do you have more than one source of income? e.g. several jobs, a rental property
  • Do you have a zero-hours, fixed-term, or renewable employment contract?
  • Have you changed your employment to a new job in the last three months?
  • Are you retired or claiming a pension?
  • If you're not retired, will you likely be retirement age before paying off your mortgage?
  • Does your credit report include CCJs or Defaults in the last three years?
  • Have you used payday loans in the past?
  • Do you rely on benefits, tax credits or child support to top up your income?
  • Are you buying through an affordability scheme like Right to Buy or Shared Ownership?
  • Is a family member helping you with your deposit?
  • Are you buying from a family member at a discount?
  • Do you already own your home outright?
  • Are you buying with up to three other people?
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