Having Mortgage Problems?


I find the many of my clients have approached their own high street bank for mortgage advice and they have been declined a mortgage due to their lending criteria, your credit score, the type of property being mortgaged, or simply they will not lend enough for your needs. 

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I have noticed that my clients life’s are becoming more and more complicated and the high street banks are more than likely not able to accommodate this and provide mortgage advice.

Here are some of the situations I deal with on a daily basis:

  1. Bank wont lend you enough
  2. Failed credit score at your bank
  3. You do not meet your banks lending criteria
  4. Your income make up, i.e. salary, dividend, tax credits, drawings, net profit etc
  5. Your employment status, i.e. contract, professional, self employed, employed, business owner
  6. The property type i.e. non-standard construction, high rise flats, apartment block
  7. Letting out your existing home to buy a new one
  8. Mortgage Lender will not deal with you direct
  9. Can’t get an appointment with your bank quick enough
  10. Your existing credit commitments
  11. Marital status, i.e. married buying in sole name, divorce
  12. Buying from or with a family member
  13. Buying a property below market value
  14. Need a fast decision
  15. Looking to remove a person from a mortgage
  16. Anything else…?

If your situation is not listed above then I’m sure it will be something that I have come across before.

Without the help of a specialist mortgage broker like me it can be a minefield trying to establish mortgage lending criteria and firing applications off left, right and centre will have a negative impact on your credit score which could well prevent you qualifying for any mortgage deal until it is rebuilt in time.

I have access to many specialist mortgage lenders who all have different mortgage criteria. It is my job to utilise my knowledge and experience to recommend the most suitable lender based on your personal situation.

We are able to move fast ensuring that you secure the property that you want!

Malcolm Davidson
Specialist Mortgage Broker in York & North Yorkshire
Having Mortgage Problems?

( Call / E-Mail or Text Me ) 

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Yorkmoneyman.com & Yorkmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

The Financial Conduct Authority does not regulate most buy to let mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances, our typical fee is £599.

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