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Bad credit, or just bad luck. A mortgage decline doesn't mean the end!

If you’ve set your heart on a property but have been turned down for a mortgage because of a bad credit history, or you don't know the reason, it can feel like the end of the world.

 

A mortgage decline needn’t be the end of your dream of property ownership. The key is to use a professional to present your application in the correct way and someone that understands what the decline means.

Whatever the reason for your mortgage decline.... 

 

Mortgage321 may offer the answer.

How to get a mortgage with bad credit.

If you have been declined a mortgage, or fear that you may be declined, don't worry help is here. 

 

Even if your credit score is low, there are lots of options for you to obtain a mortgage.

Having bad credit is not the end of the world, however you will need help in presenting yourself in the right way to the lender.

At Mortgage321 we have been helping those just like you overcome their fear and physical mortgage declines since 2009.

 

Over that time we have seen many reasons, apart from bad credit, why applicants may have been declined a mortgage. So, we're best placed to assist you by presenting an application for you in a way that will have more chance of being accepted.

Overextended credit cards could be the problem: if you've miss a payment or exceeded your limit, that's a red flag to a lender to decline your application.

Failure or missed payments on a personal loan or hire purchase commitment could be the problem, that's a red flag to a lender to decline your application.

Overdue tax payments in previous tax years could be the problem, that's a red flag to a lender to decline your application.

Legal judgements or a defaulted account registered against you could be the problem, that's a red flag to a lender to decline your application.

A low average self-employed or dividend income could be the problem, that's a red flag to a lender to decline your application.

Collection agencies and bailiff notices could be the problem, that's a red flag for a lender to decline an application

Overreaching your borrowing, or seeking a mortgage outside of your affordability could be the problem, that's a red flag to a lender to decline your application.

Whatever your problem, Mortgage321 will have the answers. Contact us today!

Address: Suite 152, 9 St Johns Street

Colchester Essex CO2 7NN

Tele: 01255 440142 or 0800 612 8292

Email: info@mortgage321.co.uk

 

Opening Times: Monday - Saturday 9am - 10pm 

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage321 is a trading style of Matthew Christopher Pigrome who is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority No 450731. DPA number Z1704032. 

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk

Please be aware that by clicking on to the external links contained within this website, you are leaving the Mortgage321 website. Please note that neither Matthew Christopher Pigrome nor Ingard Financial Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this website.

The information contained on these webpages is for information purposes only and does not constitute individual advice.

Please contact us to arrange a consultation.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

*This is a lifetime mortgage (home reversion scheme). To understand the features and risks, ask for a personalised illustration

*^Source Trigold June 2019

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