Our Customers rate us 4.6 out of 5
Trusted advisors for single applicant mortgages.
If you’re going at it alone, we’re here to take away the fear. Contact our expert mortgage advisors today and achieve your future home.
Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.
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When The Bank Says No is working closely with leading providers...
Useful links to begin your Mortgage Journey
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Bridging Finance Brokers
When you need to bridge a gap in your finances, we are there to find suitable finance options for you.
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Bad Credit Mortgages
When your credit record isn’t the best and you’re struggling to find a lender, we can step in so you don’t miss out on your dream home.
Buy-To-Let
Need help navigating buy-to-let mortgages? With our help we’ll make it easier than you think, even if you have bad credit.
NEW SERVICE
Remortgaging
Remortgaging doesn’t have to be tricky, whether you are looking to remortgage to consolidate debt, buy another property or finance home improvements.
Finding The Best Single Applicant Mortgage Deal For Your Circumstances
Deposit saved up and ready to buy all on your own? Congratulations! The hardest part is over; now all that’s left is finding the right mortgage deal for you. Buyers choose to purchase alone for many reasons; it might be that they are unmarried, their partner has adverse history, they have recently separated, or something else entirely. The good news is that plenty of lenders are more than willing to lend to single applicants. Whatever your personal circumstances, we’re here to empower your mortgage search and make your future plans possible. Whole of market mortgage brokers and fully independent, we’ll seek out the most appropriate deals available for you and support you through every stage of the application process. We’re here to make dreams of your future home come true.
We make going solo easy.
Buying a property alone is a big decision – and a brave one at that! You may be feeling anxious about the process moving forwards, which is why we’re here to provide you with useful guidance and handy tools to ensure everything runs smoothly. With us, you can feel confident that you are gaining access to the best deals on the market, and submitting an application that is truly in its best shape. Just because you’re buying alone, doesn’t mean you have to apply alone – our friendly team is here to support, encourage and advise on every one of your next moves.
Let's get the ball rolling.
We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!
Check your credit file.
In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.
What is a single applicant mortgage?
Single applicant or single person mortgages are exactly what they sound like – a mortgage that is taken out in a single person’s name. Importantly, being ‘single’ isn’t a prerequisite for having a mortgage only in your name. In fact, many people take out single applicant mortgages despite having long term partners as a way of remaining financially independent in the event of relationship breakdown or to prevent their partner’s adverse credit from impacting the application. People might also choose to remortgage in their name only to remove an ex partner from an existing policy.
Can I remortgage and remove an ex partner?
This is quite a common scenario and is definitely possible. When relationships end, financial commitments must be tied up too. In these cases, remortgaging is a highly effective solution. Our team have helped many people convert from joint agreements to single applicant mortgages with the other party removed. Whatever you’re going through, we’re here to support you through this no doubt stressful time and ensure you end up with a suitable deal. When it’s time to fly solo, our team of specialist mortgage advisors can help you access mortgage deals from lenders who understand our circumstances. From high loan to value to bad credit mortgages, we can steer you towards the most appropriate options on the market for you. We can even advice on the conveyancing process that will be required to remove the ex partner from the mortgage. Talk to us today!
Turning Your Nightmares Into Dreams
When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.
Is it harder to get a mortgage as a single person?
No, not necessarily. Despite only having a single income contributing to your affordability calculations, you will also only have a single person’s expenses contributing to your monthly outgoings. As a result, you can still achieve an adequate mortgage without an additional party, and the choice of lenders should not be too limited. If you have bad credit or any complications in your financial history, this may reduce the number of deals available to you. Even in these circumstances, though, When the Bank Says No has helped single applicants achieve the finance they need to purchase their own home by liaising with specialist bad credit lenders.
What is the minimum deposit I will need for a single applicant mortgage?
Typically, lenders don’t like to go below 5% as a minimum deposit contribution, and your terms are likely to improve if you can put a larger sum down. Of course, as a single applicant without the benefit of pooled finances it may be trickier to get a large sum together. Whatever your circumstances, our team of mortgage specialists will scour the market for the most suitable deal, taking into account the deposit that is achievable for you. With us, you can feel confident that the right mortgage is just around the corner, and put those fears to bed.
Frequently Asked Questions
Can I purchase a buy to let property as a single applicant?
Of course! You can purchase a property with the intentions of renting it out as a sole applicant. You can also remortgage your home in your sole name to increase the deposit you have available for this. Though it can feel stressful being the only person responsible for mortgage repayments, we have helped many people navigate the mortgage process alone and feel confident and satisfied with their resulting deal. Whatever your future plans, we’re here to help make them a reality.
Can I buy a house alone if I’m married/my partner will be living with me?
Can I purchase in just my name if my partner is contributing to the deposit but has bad credit?
Experienced single applicant mortgage advisors.
Whether you’re looking at your options when it comes to remortgaging and removing an ex partner, or just investing in property independently, we’re committed to helping you achieve your future plans. Choosing to buy a property alone is exciting and a huge achievement, but it can also be scary. Luckily, you’re not alone – our trusted mortgage advisors are here to support you at every stage of the process. Whatever your credit history, deposit size and personal circumstances, mortgages don’t have to be stressful.
What Our customers say about us
Our Customers rank us 4.6 out of 5
We feel so fortunate to have found WTBSN
We found WTBSN after landing in a really tricky situation. We were out of term on our current mortgage and our existing broker had exhausted all options to re-mortgage due to the complex nature of our holiday let property (Grade II listed, timber frame construction and above commercial). Working under considerable time pressure due to the financial penalties being imposed by the existing lender, Brian was relentless in his search for a solution that would allow us to refinance a property that was on face value mortgageable. Thankfully, he didn’t give up and nine months later, we completed on the re-finance. We feel so fortunate to have found WTBSN and would like to thank Brian and the team sincerely for going the extra mile. We couldn’t have done it without you!
Rachel Reeves
Simply the best
I will never use another mortgage broker in all my time In property, these guys are the best at communication, customer service and keeping you informed. They are a level above every other broker I’ve come across and they actually get things done.
Emma, Samantha & Ashley have been fantastic in assisting me with 2 mortgages now and they’re superb at what they do. I wouldn’t hesitate to reccommend them to anybody out there who needs a mortgage sorting.
John Burton
I have been dealing with ben
I have been dealing with Ben @ When The Bank Says No. He has been great!! Professional, kept us up to date the whole way and made the entire process so simple. I would most definitely use him again and have already passed his details on to a family member. Thank you for all your help.
Elise
Thank you for your amazing support
Thank you for your amazing support and service during a really difficult time in my life. 5* is just not enough to demonstrate the level of support received. These guys go above and beyond. A personal service, with kindness and compassion. I highly recommend. If you’re struggling with your mortgage, then have a chat to this team. I cannot thank them enough for everything they have done.
Nabila Fowles-Gutierrez
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