FAQS

Yes, many lenders including some that allow for past credit problems will accept Child & Working Tax Credits.

Entries on credit files stay on for 6 years so this can impact on your ability to borrow for a long time.

However we are specialists in dealing with such issues and will do everything possible to arrange your mortgage taking into account your personal circumstances.

This depends upon your age, most lenders will consider a mortgage until age 70, but can look at a longer term depending upon individual circumstances.

Yes, with many lenders, though they look to see that the maintenance has been received for at least 12 months.

No, this is unfortunately not the case as having had pay day loans can have a detrimental effect for mortgage lending.

Many mortgage lenders do not accept clients who have had pay day loans particularly if they are recent. However we do have options depending on your individual circumstances.

A minimum of 5% deposit of your share price is required.

In the past lenders would suggest a loan amount of say 4 times income, however all loan amounts now are related to individual affordability taking into account your income and outgoings.

We will advise you regarding the proposed lenders affordability figures.

Only a 5% deposit is required.

Yes, however we have many specialist lenders that are happy to lend to clients with past credit problems even including things like Individual Voluntary Arrangements or Bankruptcy or past repossessions. Our experienced advisers will guide you throughout the transaction.

Yes, we have lots of experience of dealing with this type of situation and are fully aware of the sensitive nature of such arrangements. We will guide you every step of the way throughout the transaction.