All mortgage products are subject to the lenders' criteria, they assess their willingness to lend on your status as an individual. Specialist lenders are prepared to lend, if they can positively assess your ability to meet the monthly payments and you meet their other lending criteria. Talk-Mortgage's role is to match the client's status with the lender's criteria.
A way forward is possible.
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specialist mortgage brokers for clients with credit history problems and/or whose income is difficult to prove
Credit Problems
Many people who have had financial problems will find it difficult to get a mortgage from a traditional lender. Some of the High Street Banks and Building Societies will consider lending if the problem was minor and if the case is presented in a sympathetic manner by Talk-Mortgage.
In addition Talk-Mortgage has developed links with a number of specialist lenders who will take a more pragmatic view of the situation. We appreciate that things go wrong in life; our lenders understand the problems which arise from the breakdown of a marriage, redundancy, accidents and a careless action which results in defaults, county court judgments and even mortgage arrears.
We can assist clients with an IVA in place or even those who have, in the past, been bankrupt if they have found employment, are managing their financial affairs in a positive manner, then a mortgage is possible.
