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Mortgage declined * mortgage application rejected * fixed rate mortgage up for renewal on a property with negative equity * first time buyers need a deposit to avoid a mortgage being declined

The credit crunch has ensured that more people have been declined a mortgage of late than in just about any period since people starting buying property. The days when only the rich and middle classes could hope to own their own home have returned to some extent.

Banks and building societies have tightened up their lending criteria is the wake of the property crash and are fearful that property prices are likely to continue falling for some time. As a result, people who would have been bale to qualify for a mortgage before the credit crunch are now being declined a mortgage and having their applications rejected for the slightest reason. Our panel of mortgage brokers are here to help you through the maze and find you a friendly lender who will consider a mortgage application from anyone trying to get on the mortgage ladder.


If you have recently applied for a mortgage and been declined; all is not lost. Obviously it will depend on the reason for your application being refused but there mat be other alternative lenders who will look at your case in a more favourable light. The one thing you shouldn't do is shop around and approach lenders directly. This is because every time you are rejected by a lender it leaves a soft footprint on your credit record for other lenders to see.

Use our online form instead. Our panel of mortgage brokers are experienced in knowing which lenders are most likely to grant you a mortgage and could save you time, money and heartache.


Our brokers will approach suitable lenders with your mortgage proposal and gain an agreement in principal before releasing your personal details. So, even if your mortgage application is rejected, it will not leave a black mark on your credit record.

To submit your mortgage enquiry, please complete the simple enquiry form below. We will then arrange for a qualified mortgage consultant to contact you to discuss your requirements.

Please note that all information you provide is treated in strictest confidence, and that by submitting your details you are giving your consent for our chosen firm to contact you.

Name:  (Required)
Are you: A first-time buyer
A home mover or buy-to-let investor
Looking to remortgage
Do you have CCJs, late payments, or other credit problems? Yes
Postcode:  (Required)
USA residents please click here
E-Mail:  (Required)
Mortgage amount required:
Value of property being purchased/remortgaged:

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By completing and submitting this request for a quotation, you consent to us storing your personal details and passing them on to Firms that are Authorised and Regulated by the Financial Services Authority. We are not responsible or liable for any mortgage, loan or associated financial service product obtained through a third party. A loan, mortgage or remortgage enquiry from this website does not constitute an offer to provide a loan, mortgage or remortgage.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.


If you have a fixed rate mortgage that is up for renewal, you may be offered the option to take your business elsewhere in order to obtain a cheaper rate of interest. This is only possible if you have equity in the value of your property. If you have negative equity, you will have no alternative but to accept whatever rate of interest your current lender is offering you.


An estimated one million property owners will find themselves owning a property with negative equity by the end of 2008; and this is likely to almost double before the end of 2009.

Negative equity should only be a problem for people who are looking to sell or remortgage now. Property prices are likely to even out and start to rise again by the Spring of 2010.


Having got their fingers seriously burned by their own stupidity and irresponsible lending habits; banks have retreated back to their old fashioned lending methods and expect everyone to save up and approach them with a sensible deposit. 100% mortgages are going to be a thing of the past for many years to come.

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For your own good and to keep your credit record as clean as possible, you should use our panel of mortgage brokers to find you a suitable lender to avoid being declined for a mortgage' wherever possible. Obviously, in the current climate, no system is 100% and a lender could reject your application for any number of reasons.

You should therefore ensure that you include every detail about missed payments, CCJ's, defaults and other financial problems you have had to ensure the mortgage broker we select for you is in full possession of the facts.

The banks will be able to see your full credit history and your broker will need to know your full details from the start, rather than have a nasty surprise he was unaware of because you did not disclose important information.