Your Property Financial

Your Property Financial

Worried about getting declined for a mortgage?

It’s very easy to get declined for a mortgage if your credit score isn’t near perfect and once you’ve been rejected you will find it even harder to get approved as other lenders will see these declines.

At Your Property Financial, we have access to the lenders who can consider your application and have direct communication with the decision-makers at the banks to make sure you get approved quickly and we have a success rate of 96% on approval at first application.

Check out our brief credit score video below 👇🏾

mortgages for poor credit

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 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:

mortgages for bad credit
  • Late payments
  • Arrears
  • Defaults
  • Debt Management Plans
bad credit mortgage brokers
  • Overall outstanding debt
  • Not on electoral register
  • Debt to income ratio
  • Debt vs credit limit ratio
mortgage for bad credit
  • Type of debt outstanding
  • County Court Judgements
  • Past or current Payday loans
  • IVA / Bankruptcies

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 47 reviews
Jessica
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
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
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
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
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!
James Colebrook
James Colebrook
2023-07-04
Having Paul assist with our property search an mortgage application has been brilliant. Paul has been very thoughtful and thorough when explaining the risks and benefits of products as well as patiently explaining processes. We'd happily recommend Paul to anyone else and would be more than happy to use his services again in the future.
Ev Galandova
Ev Galandova
2023-07-04
Very impressed by the service. We worked with Paul T and he was great. Definitely pleased to have gone through the process with this company. Recommending to anybody.
Peter Thomas
Peter Thomas
2023-07-02
Paul Tait has been extremely helpful with all aspects of my house purchase. He has explained many parts of the process that I did not understand, guided me through them and been readily available for calls at each stage.
Angela
Angela
2023-06-02
Paul has been extremely helpful and professional throughout the whole re-mortgage process. He is very solution orientated, responsive and supportive and I can't recommend him highly enough. Thank you very much Paul for your dedication and finally for making it happen!! Highly appreciated.
Michelle Boorman
Michelle Boorman
2023-05-31
Paul was an incredible broker to work with, would highly recommend! I went into the house buying process new and anxious, Paul was patient and walked me through the process each step of the way. Went above and beyond mortgage broking and felt like he was assisting throughout the buying process. Even when I went to put an offer in, the listing agent specifically said “you’ve got a really good mortgage broker, he is really on top of things”. He was prompt, helpful and matched me with a strong lender. 10/10.

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

Low credit score mortgage broker

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 the 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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Get in touch for an initial free, no-obligation chat with an advisor about how we might be able to help you.

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Why choose us

We’re experts in the field

✅Our team of brokers are specialists with helping when your credit score is low of you've had past credit problems as we have access to the lenders who can consider your mortgage application.  

ACCESS TO THE BANKS

✅Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street which are exclusive to brokers.

relationships

✅Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there to answer all the questions you may have.

Rapid solutions

✅We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you.

If you prefer to speak face-to-face we can also arrange a video call.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
 
Your Property Financial Ltd (FCA Number:942504) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
 
We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
 
The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.
 
Your Property Financial Ltd registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
 
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.