We compiled a few questions from our customer?

This information was last updated on 16th July 2018

Which mortgage lender will allow you to borrow the most?

All lenders will only decide to lend once they have assessed your personal & financial information, they will also in the majority of cases review the data held on you and your financial associates, on the credit bureaus. These could include, Experian, Equifax & Call Credit to name just three. So realistically not everyone’s circumstances are exactly the same, so the honest answer is, it will be different for everyone. Your priority should be to make sure that you looking for the right mortgage for your circumstances. Independent Mortgage Brokers will help and guide you through this process.

I’m confused? What does the lender need from me?

Lenders will typically ask for three months’ worth of bank statements and payslips, a photo ID, and an address ID. Depending on your credit score, they may also ask for a copy of your credit history.

Follow the 3 steps below and you won’t go far wrong.

1. You need to prove that you are who you say you are
2. You need to prove you live where you say you live
3. You need to prove what you say you earn

It goes without saying that honesty is the best policy. Ask your independent mortgage broker, should you need any further information regarding the specific documents a lender may request.

Will a mortgage lender help me with a bad credit score?

Life, happens and we at independent Mortgage Brokers, realise that it is a not one size fits all world we live in. If you’re worried or concerned about your credit profile, talk to us, at least you will leave the conversation knowing if you do have options?
Loads of mortgage lenders specialise in lending to those who may not have the best credit history, sometimes these are called impaired credit mortgages. Speaking with an independent mortgage broker will help you find the most suitable specialist lender for your circumstances.

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