Frequently Asked Mortgage Questions

How quickly can I get my mortgage?
I have a decent income but find it difficult to prove, can you still help?
What is the difference between interest only and repayment mortgages?
Will the information that I give to you affect my credit rating?
Can you still help me if I have bad credit?

How quickly can I get my mortgage?

It is possible to complete a re-mortgage is less than 10 days. However it pays to be realistic and 6 weeks is reasonable. The more information that you can supply with your enquiry then the quicker it is likely to be.

I have a decent income but find it difficult to prove, can you still help?

We have a number of lenders that will assess you application based on you being able to afford the repayment rather than any set income multiple. You may not have to provide any substantial proof of your income with our self certified mortgages. Our advisers will be happy to help you decide if a new mortgage would be affordable.
Return to top

What is the difference between interest-only and repayment mortgages?

With an interest-only mortgage you only pay the interest charge each month. With a repayment mortgage the payments you make are calculated to include paying off the loan by the end of the term. Our adviser will describe the options available to you and help you chose the right one for your circumstances.

Will the information that I give you affect my credit rating?
Making an enquiry on this web site will not affect your credit rating. When we talk to you we will be able to give you a general idea of the mortgage or loan product that suits your circumstances. To confirm the product we will then need to conduct some kind of credit score or search on you. We will ask for your express consent before we do this. You are in control at every step of the process!

Can you still help if I have bad credit?
Yes! We specialise in arranging mortgages for those with bad credit histories. Our job is to place you with the lender that will look most favourably on your personal circumstances. We know everybody is different but with access to over 60 lenders we are sure there will be one that can offer you a great deal on your new mortgage.