Whether you\u2019re struggling to be approved for a mortgage, or embarking on the process for the first time, we\u2019re here to guide you every step of the way.<\/p>\n<\/div>
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.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
We are here to support you and help you on your journey to becoming a home-owner. Whether you have bad credit, or are just overwhelmed by the process, we can provide you with information and tools to make you more attractive to banks and sure to be successful in your next application!<\/p>\n
We believe that getting a mortgage shouldn\u2019t be a daunting and challenging process and that you should be able to achieve your dreams of becoming a home-owner, whether that\u2019s for your first time, commercial property or as a property investor.<\/p>\n<\/div>
declined mortgages<\/a><\/p>\nmortgages with bad credit<\/a><\/p>\nread our helpful guides<\/a><\/p>\nget advice from our blog<\/a><\/p>\nfind out more about us<\/a><\/p>\n<\/div><\/div><\/div><\/span><\/div><\/span><\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div>\nWe\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nWorking out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nTogether we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>FAQs.<\/h2><\/div>Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Will I be able to get a mortgage with poor credit?<\/span><\/a><\/h4><\/div>\nA mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>How can a mortgage advisor help me?<\/span><\/a><\/h4><\/div>\nMortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\nOur expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
mortgages with bad credit<\/a><\/p>\nread our helpful guides<\/a><\/p>\nget advice from our blog<\/a><\/p>\nfind out more about us<\/a><\/p>\n<\/div><\/div><\/div><\/span><\/div><\/span><\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div>\nWe\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nWorking out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nTogether we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>FAQs.<\/h2><\/div>Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Will I be able to get a mortgage with poor credit?<\/span><\/a><\/h4><\/div>\nA mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>How can a mortgage advisor help me?<\/span><\/a><\/h4><\/div>\nMortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\nOur expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
read our helpful guides<\/a><\/p>\nget advice from our blog<\/a><\/p>\nfind out more about us<\/a><\/p>\n<\/div><\/div><\/div><\/span><\/div><\/span><\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div>\nWe\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nWorking out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nTogether we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>FAQs.<\/h2><\/div>Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Will I be able to get a mortgage with poor credit?<\/span><\/a><\/h4><\/div>\nA mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>How can a mortgage advisor help me?<\/span><\/a><\/h4><\/div>\nMortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\nOur expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
get advice from our blog<\/a><\/p>\nfind out more about us<\/a><\/p>\n<\/div><\/div><\/div><\/span><\/div><\/span><\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div>\nWe\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nWorking out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nTogether we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>FAQs.<\/h2><\/div>Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Will I be able to get a mortgage with poor credit?<\/span><\/a><\/h4><\/div>\nA mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>How can a mortgage advisor help me?<\/span><\/a><\/h4><\/div>\nMortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\nOur expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
find out more about us<\/a><\/p>\n<\/div><\/div><\/div><\/span><\/div><\/span><\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div>\nWe\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nWorking out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\nTogether we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>FAQs.<\/h2><\/div>Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>\n<\/object><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Will I be able to get a mortgage with poor credit?<\/span><\/a><\/h4><\/div>\nA mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>How can a mortgage advisor help me?<\/span><\/a><\/h4><\/div>\nMortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\nOur expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
We\u2019ll chat about your dream home and any hurdles you\u2019ve encountered so far.<\/p>\n<\/div><\/div><\/div>
Working out what it is you need from a mortgage, we\u2019ll assess your options.<\/p>\n<\/div><\/div><\/div>
Together we\u2019ll find the best mortgage deal for you and get you accepted!<\/p>\n<\/div><\/div><\/div>
Feeling overwhelmed? Your problem may not be as complex as you think! Take a gander through our FAQs, and reach out if you\u2019d like some support.<\/p>\n<\/div><\/div><\/div>
A mortgage is a loan that you take out, secured against your property. As with many loans, your credit history may be used to determine your risk level. If you have bad credit history, you may be deemed as more risky to lend to, as there is evidence of previous mishandling of loans. However, this does not mean you will not be able to get a mortgage!<\/p>\n<\/div><\/div><\/div>
Mortgage advisors have expansive knowledge about the various types of mortgages available on the market, as well as the adverse experiences individuals may have had. With this extensive market knowledge and experience, mortgage advisors can help you get the best deal according to your individual requirements and circumstances. They may even get deals you can\u2019t find yourself!<\/p>\n
Our expert mortgage advisors at When The Bank Says No can not only scour the market for the best deals, we also help those in adverse situations achieve their dreams. We take a human approach to mortgages, listening to and understanding your individual circumstances, whether that be bad credit, declined mortgages<\/a>, or more, ultimately helping you reach your goal of becoming a home-owner.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>I\u2019ve been rejected for a mortgage before, should I keep applying?<\/span><\/a><\/h4><\/div>Being rejected for a mortgage may feel disappointing, but you don\u2019t need to be defeated. Your credit file will show you\u2019ve applied for mortgages, but not whether it was accepted or rejected. With each mortgage application, you will be left with a hard search on your record, which can lower your credit score.<\/p>\nIf you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
If you\u2019ve been declined a mortgage and don\u2019t know what your next steps should be, talk to us! We can guide you through the application process and help you make informed decisions to get the best chance of success.<\/p>\n
reach out now<\/a><\/span><\/div><\/div><\/div><\/i><\/i><\/span>How much can I borrow for my mortgage?<\/span><\/a><\/h4><\/div>\nThere\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/i><\/i><\/span>Does a bad credit mortgage cost more?<\/span><\/a><\/h4><\/div>\nAlthough the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\nWe are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
There\u2019s no one definite amount you can calculate to know how much you can borrow; every lender is different and there are a range of factors that affect mortgage amount. The amount you can borrow is determined by the cost of the property you wish to purchase, the deposit you have, and your income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>
Although the answer to this question has traditionally been \u2018yes\u2019, this does not need to be the case. With the right help, it is possible to achieve high street mortgage terms for those with bad credit. This competitive market results in competitive terms, making mortgages more realistic for many.<\/p>\n
We are bad credit mortgage specialists<\/a>, experts in helping all manner of people in adverse situations achieve their homeowning dreams!<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Are credit blacklists real?<\/span><\/a><\/h4><\/div>\nIf you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\nIf you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>Do I need a credit score to get a mortgage?<\/span><\/a><\/h4><\/div>\nThere are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
If you have bad credit, you may be concerned about \u2018credit blacklists\u2019, and further rejections from banks. However, these \u2018blacklists\u2019 or lists of risky borrowers aren\u2019t real. Information on your credit file may be used by lenders to determine how creditworthy you are, but nothing else.<\/p>\n
If you are concerned about your credit history and how this many impact future mortgage applications, talk to one of our advisors. We will be able to assess your possible options and guide you to the best chance of success.<\/p>\n<\/div><\/div><\/div>
There are mortgage options available to those who don\u2019t have a credit score. Credit scores do not strictly dictate whether a lender will provide you a loan; they indicate your recent financial behaviour. Lenders will review information about you, often including <\/span>your credit file to check for adverse credit, then formulate their offer.\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/i><\/i><\/span>What size deposit will I need?<\/span><\/a><\/h4><\/div>Generally, the larger deposit you can put down, the more options you have. Depending on your credit history, you may be required to put down more or less for your deposit. For example, following bankruptcy, you may be required to have a deposit of 15%, whereas following discharged IVAs<\/a> you may need 10%, and if you have poor credit due to missed credit card payments or CCJs, you may need 5%.<\/p>\nTo get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\nreach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
To get a better idea of your deposit requirements and realistic affordability, talk to one of our experts today!<\/p>\n
reach out now<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>Get Started On Your Mortgage Journey<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\nTurning nightmares into dreams<\/span>.<\/h2><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>Bad credit mortgages<\/h3>\nJust because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>Bad Credit<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/span><\/a><\/span><\/span><\/div>\nDeclined mortgages<\/h3>\nThere\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>Declined mortgages<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>
Just because you have bad credit now, does not mean that it can\u2019t be improved and that you will always be rejected for a mortgage.<\/p>\n<\/div>
There\u2019s many reasons that your mortgage application may be declined. We\u2019re here to help you work it out and be successful next time!<\/p>\n<\/div>\n<\/div>