First port of call when looking for a mortgage is probably your bank or exisitng mortgage lender. If you get declined don't
let this stop you from exploring alternative avenues. As specialist mortgage brokers, whatever the reason for the decline, there is every chance
we will be able to help. Here are some situations that may be familiar to you,
You may have experienced some financial difficulties in the past not realising their significance now. We
will guide you as to how to obtain a copy of your credit file and explain it's
contents and their significance when applying for a mortgage.
When your partner has bad credit but good income the option of applying for a mortgage in your
name only may not be viable, mainly due to meeting the lender's affordability criteria. This is a situation we can help with.
Change in employment status from your last mortgage application, or a very recent change, can have a serious impact
on any new mortgage application. Such changes may include from employed to self-employed or permanent to temporary agency work. Whatever the change
give Lawrie Mortgages a call and let us find the best mortgage solution.
We understand the frustration that follows a mortgage decline and will persevere until we find the best solution for you.
The first thing we'll do is get a total understanding as to why you were declined. Once established we will move to
gather further supporting information from yourselves with the aim of getting you
agreement in principle with the lender offering the best terms for your circumstances.
This will enable you to move on with your original plans.
You can start your enquiry by arranging a callback or call us on
0121 616 0216
Guide to fixed rate mortgages
Guide to offset mortgages