Opening hours:
Mon - Sat 8.30am - 7.30pm
Evening and home appointments available
Let us help you to arrange a mortgage if you are Self-Employed
At Bristol, Weston, Bath and Exeter Mortgages Online we deal with a great many clients who have their own businesses and will gladly discuss all the options available to you if you are self-employed, even if you only have one year’s accounts.Please click the link to view or download our
Let us help you if you have an Adverse Credit History
A poor credit rating can be a major barrier to getting a mortgage, but the good news is, there are lenders who are prepared to help those whose applications may be refused elsewhere. It might not seem fair but even having a big deposit in place and a decent salary isn’t enough to guarantee you a mortgage, if you have a poor credit history.
Banks and building societies are cautious about who they lend to, so they always check credit reports carefully to see if potential mortgage customers have defaulted on any debt payments in the past. They will also look for any County Court Judgments (CCJs) against you, or if you have ever filed for bankruptcy. In any of these scenarios apply, the chances are you won’t be eligible for some mortgage deals that are on offer – even if your financial problems occurred in the past few years.
There are some mortgages however, which are specifically designed for those whose credit history is far from perfect. Our team of expert Advisers will give you advice about the most appropriate mortgage and/or lender to apply to. As fully independent brokers we will look at all the options available to you.
Please click the link to view or download our Let Us Help You if you have Adverse Credit guide
Let Us Help You Understand More About HMOs
Lenders consider HMOs as specialist properties, which means getting a mortgage on one can be more complicated and expensive than if you were letting a standard home. Previously, a property was only classified as an HMO if it was at least three storeys high, but this rule was removed in England and Wales, pushing thousands of rented homes into the HMO category. The usual deposit required is 25%.
Please click the link to view or download our Let Us Help You Understand More About HMOs guide
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Bristol Mortgages Online
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