Getting a mortgage to suit your needs, wants and circumstances

Step 1 - Finding a property.
Find a property that you would like to purchase.

Step 2 - Get some mortgage advice.
Fill in the online form and get some mortgage advice from us, to see how much you can borrow and to get a mortgage "decision in principle", this means that if all goes well, the lender will be happy to provide your mortgage. This also helps with 'Step 3' as estate agents and sellers can see that you are a serious buyer and that you have the means to make the purchase. We can advise the best mortgage product to meet your needs, requirements and finances.

We have access to thousands of mortgage products from a carefully selected panel of mortgage, remortgage and home loan lenders, many of whom specialise in Adverse Credit Mortgages and Bad Credit Mortgages, we are able to search these in seconds; ensuring you get the right mortgage product for you and your situation. Our mortgage and remortgage products' range from 'Prime' (High street) to 'Heavy Adverse' (Bad credit or adverse credit rating), although we specialise in bad credit mortgages for customers with adverse credit rating, we are also able to find products for customers, with no adverse credit rating, that are of a better rate and with greater benefits than "high street single product lenders" can provide or offer.

Step 3 - Make an offer and leave the rest to us.
Make an offer to the estate agent who will pass this onto the seller. If the seller accepts your offer, the seller’s estate agent will need your solicitor’s details. Your solicitor handles all legal aspects of purchasing a property, this is known as conveyancing. We can place you with one of our panel solicitors to smooth the process of arranging your mortgage. Let us know the property details and leave the rest to us. Remember; just because you may have outstanding debts or even CCJs, does not mean you can not get a mortgage, in most instances, we can still help.

Step 4 - Move into your new property.