Mortgages
There are a number of mortgage deals promoted by lenders aimed specifically at first time buyers and home movers. These include 125% mortgages; cash back mortgages and a range of discounted rate mortgages unavailable to other categories of borrowers.
Choosing the right mortgage for you.
For more information on specifc mortgages, follow these links..
- Self Certification Mortgages
- Buy to Let Mortgages
- Commercial Mortgages
- First Time Buyers Mortgage
- Flexible Mortgages
- Cash Back Mortgages
- 100%+ Mortgages
- Special Services Mortgages
- Self Build Mortgages
- Right to Buy
What if I have a poor credit history?
To a lender, your circumstances might not seem as bad as you might think they are and you may have more choice than you expect. Each lender will consider your application differently and they may look at a number of factors. For example, many lenders will ignore minor credit problems in the past if all other aspects of your application, such as your employment history, income and record of making mortgage or rental payments are good.
If your credit history is judged to be poor, some lenders may still be willing to lend to you, but at a higher-than-normal interest rate.
Remember, you might have more choice than you think.