Worried about getting declined for a mortgage?

Mortgage lenders too often don’t fully consider all the facts about your situation, or worse, just let the computers make the decisions, which can lead to you getting declined!

Factor in any late payments, defaults, or other credit issues you may have had and you’re going to find it hard to get approved by a mortgage lender. 

Avoiding being declined is crucial as if you get rejected more than a few times, it can harm your credit rating even more, which could lead to you not getting a mortgage and therefore, losing out on your dream home or better mortgage rates. 

Did you know several factors can impact your credit score?

The first thing lenders will check when considering your mortgage application is your credit score. This will show your payment history, current debt levels and account conduct. There are numerous reasons you can have a low credit score:

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⚪️ Late payments.

⚪️ Arrears.

⚪️ Defaults.

⚪️ Debt Management Plans.

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⚪️ Overall outstanding debt.

⚪️ Not on electoral register.

⚪️ Debt to income ratio.

⚪️ Debt vs credit limit ratio.

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⚪️ Type of debt outstanding.

⚪️ County Court Judgements.

⚪️ Past or current Payday loans.

⚪️ IVA / Bankruptcies.

👉🏽CONTACT US NOW. TO GET YOUR MORTGAGE APPROVED

Your Credit Score

We have got access to lenders who can help regardless of your credit score!

Your credit score is one of the first things a potential lender will look at when considering whether to lend to you. 

Often the lender will use different credit rating agency data and even their own credit scoring system to make a decision on whether to lend to you. 

Therefore it’s very important you have expert mortgage advice to ensure you only proceed with a lender who is likely to accept your credit score and credit data. 

 
 
 
  Excellent  
    
 Based on 52 reviews 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 Georgiana Olescu 
 
2024-04-10
 
 
  
Paul is an amazing broker, very helpful, responsive to emails and patient with customers. The process with him was quick and easy as his work ethic is impeccable. We are beyond impressed and happy with his services and that we got to work with him.
  
 
  
 
 
 
  
 
 
 Valerie O 
 
2023-12-28
 
 
  
Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
  
 
  
 
 
 
  
 
 
 Bonnie Frost 
 
2023-12-25
 
 
  
Paul is a fantastic advisor and guided my husband and myself through the entire process of buying our first home, he made the entire process feel easy and we were well informed along with great communication and fast action. We completed within 3 months of contacting Paul.
  
 
  
 
 
 
  
 
 
 Johnathan Lowery 
 
2023-11-16
 
 
  
Working with Paul has been a hugely positive experience. Paul took the time to understand our needs and financial situation, ultimately securing us a mortgage deal that we would not have been able to obtain on our own. His guidance and patience over an extended time was invaluable in guiding us through a volatile period in the property market. I highly recommend working with Paul at Your Property Financial.
  
 
  
 
 
 
  
 
 
 Adeel Sarwar 
 
2023-10-02
 
 
  
It has been great working with Paul. He helped us to redeem our help to buy equity loan which didn't seem possible to me when I first contacted him. It took much longer than expected due to many obstacles but Paul explained every step of the process very clearly and he regularly communicated with me to ensure the remortgage went through as efficiently as possible. I would definitely recommend working with Your Property Financial.
  
 
  
 
 
 
  
 
 
 Jessica 
 
2023-08-29
 
 
  
I would highly recommend Paul as a mortgage broker. As a first time lone buyer I began the process feeling very out of my depth, particularly in a market where mortgage rates are very high. But from the get go Paul provided reassurance and practical guidance and has been immensely helpful throughout the process. I've really appreciated his responsiveness, honesty and support.
  
 
  
 
 
 
  
 
 
 Louise Griffiths 
 
2023-08-28
 
 
  
I reached out to Paul 2 years ago and giving this review now because I wanted to ensure that I could give a true review of what benefits I have experienced from using his service.
I am thrilled with the financial expertise given to me by Paul. His skillful negotiation secured me an excellent mortgage rate within a short turn around time. This has not only set me on the path to paying off my principal balance but has also allowed me to simultaneously build a solid emergency fund. His initial guidance has been invaluable in shaping my financial future.
I look forward to working with Paul again, once my 5 year plan is near its end.
Highly recommended!
  
 
  
 
 
 
  
 
 
 Calum Hebron 
 
2023-08-05
 
 
  
Paul has been consistently excellent, ensuring we got the best possible mortgage deal at a time when rates weren't great. Paul worked with us to understand our financial complexities and went above and beyond to ensure they were understood by mortgage providers. We've been made to understand every stage of the process, and as first time buyers we were able to feel confident in the decisions we made. I would highly recommend working with Paul at Your Property Financial.
  
 
  
 
 
 
  
 
 
 Czarina 
 
2023-08-04
 
 
  
My almost a year-long journey with Paul as my broker has been truly amazing, despite a few hiccups during the mortgage process. Working with him has been the best decision ever! As a first-time buyer, I lacked knowledge about purchasing a home, but Paul's guidance and expertise were outstanding. He explained things in a clear and concise way.

What impressed me the most was Paul's responsiveness. He promptly addressed all my questions and concerns, never making me feel like a bother. Even when I faced challenges, Paul's determination and problem-solving skills were unwavering. I felt so supported throughout the entire process.

Thanks to Paul's unwavering support, I managed to reach this point. I highly recommend him to anyone, especially fellow first-time buyers. Paul's knowledge, patience, and reliability are unmatched. He's not just a broker; he's an invaluable ally in this complex process. Thank you, Paul!
  
 
  
 
 
 
  
 
 
 Alistair Prestidge 
 
2023-07-11
 
 
  
Paul helped me to get my Mortgage approved in less then 48 hours! He has been great and I can’t recommend him highly enough. His communication is excellent, and he helped me understand each stage of the process easily.
Thank you so much for helping me buy my very first home! I will most certainly be recommending Paul to friends & family!
  
 
  
 
 
 
 
  
 
 

Don’t lose your dream home or get declined for a mortgage anymore

We have a 96% success rate with our applications for our clients who have poor credit.

Many lenders we have access to don’t even consider your credit score and take a more human approach to understand what the reason for the low score is and the specifics that led to that. 

We find the perfect fit for your circumstance and the best lender who can consider your application.

Getting a mortgage with past credit issues or low score can be tricky, but we’re here to help you and are well-connected with lenders who can consider your application so as to make sure we can get you the best terms available and keep your payments low.

Your broker here to help

Lenders have very strict criteria, which you either fit or you don’t, this is where your mortgage broker really comes into play as they know the lender’s policy inside out and will make sure your application is submitted to the most suitable lender who can consider your circumstance and help you get approved quickly. Your mortgage broker will deal with the lender directly and will present your application in the best possible light; increasing your chances of acceptance on your first application.

Receiving expert mortgage advice

Your mortgage broker will help you get approved the first time you apply and will be able to potentially arrange a bespoke mortgage just for you with the lender if your circumstances aren’t straightforward.

Your mortgage broker deals with 90+ lenders every week so knows them very well and will have just the right lender for your needs. 

First things first, you should arrange to speak to a mortgage broker who is able to help you navigate your current options and consider the different solutions to improving your credit score and/or what your mortgage options will be considering your current credit score and circumstance.

Your mortgage broker will have access to lenders who can help and in some cases lenders who don’t even look at your credit score.  

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