Low cost mortgage quote
Mortgage borrowing limits
Mortgage repayment costs
Low cost remortgages
Mortgage buyers guide
Mortgage credit problems
First time buyers mortgages
Best mortgage deals
No deposit mortgages
Best remortgage deals
Right to buy mortgages
Mortgage brokers Sussex
Mortgage brokers Surrey
Buy to let mortgages
Bad credit mortgages
Bad credit remortgages
Poor credit mortgages
Mortgages with CCJs
IVA mortgages
Mortgages for discharged bankrupts
Mortgages for the self-employed
Mortgages for debt consolidation

The mortgage market * apply for a mortgage * buying a property or remortgaging a home * borrowing limits * mortgage arrears advice * avoiding repossession

Since the credit crunch and property prices started to fall it has been difficult for many people to find a mortgage lender prepared to consider most mortgage applications. The mortgage market has tightened up as banks have tried to conserve their funds and stabilise their cash flow. Many people have left a credit footprint a mile long as they have trooped from one lender to another looking for any bank prepared to make them an offer.

Any bank looking at any mortgage applicant will look at their credit file and most likely be alarmed by the number of applications they have made without success. Using our panel of mortgage brokers who know and understand the mortgage market can save you a lot of heart ache and rejection.


The Bank of England recently unveiled a plan to inject 50bn of funds into the financial system in an attempt to kick start the moribund mortgage market. This is expected to breathe life back into the mortgage market.

The scheme, which the Bank of England has put together, follows pleas by mortgage lenders to help liquidate money markets paralysed by the recent credit crunch. This has to be good news for homeowners looking to remortgage and first time buyers hoping to get on the property ladder. Under this bail out scheme, the government is expected to issue bonds which mortgage lenders will be able to exchange for packages of mortgages lodged with the Bank of England as collateral.


If you want to apply for a mortgage you would be best advised to use one of our panel of mortgage brokers who keep a keen eye on the market and will be in the best position to find you a lender prepared to consider your application and make you an offer.

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:

How Did You Hear About Us:

Please tick this box to indicate that you have read and accepted our                      Terms and Conditions and Privacy Policy.
We might like to contact you by e-mail in the future with news or information. Please untick this box if you do not wish to be contacted in this way.

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 are buying a property, remember that prices are likely to fall in price over the next 12 months. You should therefore look for properties where the seller is more amenable to accepting a low offer. Presenting a lender with a mortgage application for a property that is undervalued will benefit your position some what as property valuers tend to err on the side of caution.


If you are remortgaging your home you have to take into consideration that the banks know that property prices are going to continue to fall. If you are coming to the end of a fixed interest mortgage the banks will not consider lending on a property where the equity is likely to be swallowed up by further falls in the price of properties.

Before asking any bank or lender to survey your property you should make sure that it is in as good a decorative order as possible. Whilst this won't add enormously to the price, it will prevent any valuer from reducing the valuation due to a poor state of repair.


Mortgages tend to be granted on the value of a property and the income multiples of one or two people. Borrowing limits vary from lender to lender and whilst banks have been irresponsible in lending based on extremely high income multiples in the past, you can expect them to reduce the amount they are prepared to lend for some time to come.


If you have mortgage arrears and are looking at remortgaging with your existing lender or new bank you should do whatever you can to reduce your mortgage arrears before applying. Remember that banks don't look sympathetically at your personal situation; they only care about the fact that you can make whatever repayments they apply to your mortgage. You should speak to one of our panel of mortgage brokers by asking for a quote through our online form.

Compare mortgages
Competitive interest rates
Difficulty getting a mortgage
Mortgage deals
Best mortgage payments
Cheaper interest rates
Economic mortgage interest
Lower interest rates
Low mortgage rate
Mortgage arrears
Mortgage difficulties
Mortgage problems
Arrears advice
Borrowing limits
Croydon Brokers
Derby Brokers
Dorking Brokers
Mortgage lenders
Mortgage quotes
Brent lenders
London mortgage quotes
South London lenders
South London quotes
Southwark lenders
London mortgage quotes


If you are falling behind with your mortgage payments, or loans secured on your property, you should seek help and advice as quickly as possible. If you are behind in your monthly installments, there are a range of options available, dependent on your circumstances that could be used to stop repossession of your home. If you know that you are in financial trouble and you won't be able to meet your mortgage or loan repayments, then get advice now - don't leave it until it is too late. Repossession can happen very quickly once the process has started.

In the majority of cases there are always sensible solutions to your repayment worries. There must be a legal reason for your lender to repossess your home. The most frequent reason for a repossession order is very late or unpaid mortgage repayments. If you are dealing with late payments on a mortgage, the best course of action is to continue making payments at the highest possible sum you can afford, even during court proceedings. This proves to the court that you are not shirking your responsibilities and making every effort to comply with your mortgage agreement.