Mortgages
Been turned down by your bank, or worried you will be? We'll put you in touch with an FCA-authorised mortgage broker who works with people the high street often turns away.
- Bad credit and self-employed welcome
- Advice from an FCA-authorised broker
- No obligation – it's just a conversation
Request a callback
Leave your details and a broker will call you back.
We introduce, the broker advises
Cheque Centre doesn't give mortgage advice or lend on mortgages. What we do is introduce you to a mortgage broker on our panel. Every broker we work with is authorised by the Financial Conduct Authority, and it's the broker – not us – who looks at your situation, searches the lenders they work with and recommends a mortgage.
Most mortgage lenders no longer deal with customers directly, so going through a broker is normal. A good broker is especially useful if your situation doesn't fit the high street's boxes.
Who our brokers can help
Bad credit
Missed payments, defaults or CCJs in the past don't automatically rule you out. Specialist lenders look at the whole picture, not just your score.
Self-employed
Sole traders, contractors and company directors – including if you've only got a year or two of accounts.
First-time buyers
Getting onto the ladder, including with a smaller deposit than you might think you need.
Remortgaging
Coming to the end of a deal, or moving off a high rate now that your credit has improved.
Moving home
Taking your mortgage with you, or finding a new one when your circumstances have changed.
Something else?
Every situation is different. Request a callback and ask – if the broker can't help, they'll tell you straight away. We can't introduce buy-to-let mortgages.
Subprime mortgages still exist
A lot of people think mortgages for anyone with a less-than-perfect record disappeared after the financial crisis. What actually went were self-certified mortgages, where borrowers didn't have to prove their income: the regulator's Mortgage Market Review ended them in April 2014.
Lending to people with past credit problems carried on. "Subprime" simply describes borrowers that mainstream lenders see as a higher risk, and specialist lenders still serve them today. Expect to pay a higher rate than someone with a spotless record – but a mortgage you can afford may still be within reach, and as your credit improves you may be able to remortgage onto a better deal.
How it works
- Request a callbackFill in the short form above. It takes under a minute.
- A broker calls youThey'll ask about your income, deposit, credit history and what you're hoping to do.
- They search and adviseIf they can help, they'll recommend a mortgage and handle the application with the lender.
What does it cost?
Talking to us costs nothing, and initial advice from the brokers on our panel is free. A broker may charge a fee if you go ahead and receive a mortgage offer – they'll tell you how much, and when it's payable, in writing before you apply. Brokers are usually also paid by the lender when a mortgage completes.
How we're paid: we don't receive any fee, commission or other reward from brokers for introducing you, and we're not part of the same group as any of them.
Talk it through with a brokerNo obligation – just a conversation about what might be possible.
Request a Callback