- To 95% LTV Residential
- Repayment & Interest Only
- Mortgage to 6x Income
- Guarantors Considered
- Trainees Considered
- No Credit Scoring Application for Some Lenders
- Manual Underwriting
Many clients contact us who may be struggling to get a mortgage due to having recently graduated. They often tell us, that although they have a full-time job:
- they have been refused the mortgage amount required as their income is not deemed sufficient
- they have been declined by the lender as they do not have a high credit score
- they have been prevented from getting a mortgage as they have had some credit issues while they were studying
Customers calling us often tell us they are frustrated that although they would be a very good mortgage customer, they are finding it difficult to get a mortgage.
Whatever your situation, we may be able to assist.
We specialise in helping clients who have unusual or non-standard requirements.Read More >>
We work with a number of lenders who have a flexible approach to underwriting your mortgage. They would typically look at graduates in employment as on an upward income trajectory as their career progresses. They will look at your mortgage on a case by case basis and a person will assess your situation rather than a computer. The lenders we work with are happy to look at clients who may have failed credit scoring with other mortgage providers or need a little bit bigger mortgage based on their income.
We appreciate everyone’s particular situation is unique, which is why we look at every enquiry on a case by case basis. We work with both High Street and Specialist lenders and, if necessary, can recommend a lender who will manually assess your mortgage application rather than asking a computer to make a decision. In the current climate, we appreciate that everyone may not “tick all the boxes” for the high street lenders.
If you would like to see whether we can help you raise a mortgage for you on a property, do get in touch for a free no obligation quotation.