Do I Qualify for a Loan?

Do I Qualify for a Loan?

• CCJs	• Defaults?	• Arrears?
• No Proof of Income?	• Missed Payments?	• Self Employed?
• In an IVA / Ex-Bankrupt?	• Poor Credit?	• Erratic Income?

If any of the above apply to you, then you should qualify for a self-cert loan. Read below for more info:

CCJs & Defaults

Getting a remortgage or a secured homeowner loan with poor credit like CCJs or defaults may not be as difficult as you think. Click Here to find out how:

IVAs

If you have an IVA (either current or satisfied) we can still help you get a mortgage. This includes arranging a remortgage to close a current IVA. Find out more.

Mortgage Arrears

Regardless of how many mortgage payments you have missed, we can usually help you remortgage to pay off your arrears and get back on track. Learn more.

Bankruptcy

If you have been discharged from bankruptcy, we can help you get a mortgage to start rebuilding your credit history and your life. Find out how here.

Facing Repossession

If your home is facing repossession, you need to act now. Learn how we can arrange an express mortgage to pay off your debts fast and stop the courts from proceeding.

Self Certification Mortgage

A self certification mortgage is a mortgage in which you are able to declare your income without having to show substantial proof that you earn it. You may want to consider this type of mortgage if you have difficulty proving your income. In general most lenders perceive self certification as a greater risk and will charge a slightly higher interest rate.

Status Mortgages

If you can prove your income then click here to read about status mortgages. If you can prove your income with payslips, P60s (or the required accounts if you are self employed), then you qualify for a cheaper status mortgage. Find out more.

Non Standard Construction

Most lenders have guidelines on the kinds of property that are acceptable security for a mortgage. Generally lenders want to make sure that the property is readily saleable and isn't likely to have any serious defects in the construction. Find out more