Mortgages - Let Us Arrange It

Finding it difficult to overcome the nonsensical hurdles that are in your way to getting a mortgage? All other avenues blocked? Before you give up, let us work our magic.

Mortgages For Employed and The Self Employed

Finding it difficult to overcome the nonsensical hurdles that are in your way to getting a mortgage? All other avenues blocked? Before you give up, let us work our magic.

Only last month we were seeing Self Employed Applicants being accepted with 10% deposits.

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You Can Have An In Principle Decision Within 2 Hours

Our Mortgages

Online Mortgages

We can handle your application online. After you have applied, we will create a new account for you. At certain points of your application, we will request documents. All you need to do is upload them to your account and we'll do the rest.

The way we have structured your account means that it is incredibly easy to follow. There are 7 steps in the process, once you have completed one, it will present the next one.

 

Low Deposit Mortgage

Approximately 40% of the mortgage applications we see are from people who are currently renting. The high costs involved in renting mean that attempting to raise a deposit is incredibly tricky.

The downside to this is that they are often forced to continue to rent, even though buying a property would lower their monthly costs.

You can lay most of the blame for this at the door of the Financial Conduct Authority. They insist on inaccurate affordability tests for buying a property, but not for renting one. That's very wrong. The Government should have zero involvement in private transactions between two over 18-year-olds. In this case, those 18 years olds would be you and the mortgage provider. We need to get Government out and return to times before the UK turned into a socialist colony.

Now there is not a mortgage provider in the UK that will provide a 100% mortgage. But some providers will offer 95% mortgages depending on your status; most will provide up to 90% for the average applicant though. As always, the greater your deposit, the higher your chance of being accepted.

Mortgages For The Self Employed

If you are Self Employed and looking to obtain a new mortgage, there is little more that we can tell you about the difficulties of seeing your application approved. The Government is making it as difficult as possible for the average self-employed person on the property ladder.

Currently, you will need three things to have your application approved.

  • You will need at least two years worth of accounts. This will allow you to borrow up to 4 times your average salary (combined with a partner's income if applicable)
  • 10% Deposit
  • Relatively clean credit record

For more information, submit your details to the above form, and we will be in touch. We will give you a straight answer.

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