Specialist mortgage advice because life happens...…...
At Mortgage321, it’s our mission to help people succeed. We provide mortgage advice to first-time buyers, home movers, and landlords who are often overlooked by high street lenders.
We understand that not all people with a less than perfect credit history are still in financial difficulty.
That’s why we have a dedicated team that look at each mortgage client on their own merits.
*all statistics within our video were taken from Bankruptcy Advice Online and Office of National Statistics
Our mortgage advice is designed to suit people in interesting situations: people who have a complex income, a young credit history, experienced previous financial difficulties, accidentally missed payments, or are recently self-employed.
Flexible Product Criteria For Those Interesting Situations
Clients who are self-employed with just 1 years trading or have had CCJs or defaults from over 3 months ago
People are increasingly earning incomes from multiple sources; commission, overtime, bonuses, investments and multiple jobs. Not all lenders will consider a mortgage application for those with multiple income sources, but we may be able to help you find your new mortgage
It’s commonly believed if you’re self-employed you must wait years before applying for a mortgage. With us, that's not true. We may be able to source you a mortgage even if you've just been trading for only a year
Mortgage After County Court Judgements (CCJs) or Defaults
If you've got a CCJ, Default or have missed payments you may think you won't be able to get a mortgage until these no longer show on your credit report. Our lender's offer products that are suitable for borrowers who have had CCJs and defaults from as recent as 6 months ago. Providing we can prove you’re back on track and are able to afford your mortgage repayments, we may be able to help you find your new mortgage
First-Time Buyer First-Time Landlord
It can be difficult finding a mortgage for your first Buy to Let property, but if you’ve made regular mortgage payments before and can prove you’re able to meet your mortgage repayments, we may be able to help you find your new buy to let mortgage
To find out more please contact us by clicking here or call on 0800 612 8292 or 01255 440142.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debts secured against it.
**The Financial Conduct Authority do not regulate some forms of buy to let mortgages and commercial mortgages.