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Where can I get a mortgage? Which banks are lending money? How can I stop my home being repossessed? Which lenders are offering the cheapest mortgage rates?

Despite the fact that the majority of banks have passed on the latest interest rate cuts to existing mortgagees, it is unlikely that new applicants will benefit form these new lower rates of interest. The question on most first time buyers lips is "where can I get a mortgage?" and "which banks are lending money at the moment?"

As property prices are likely to continue to fall over the next twelve months at least; banks and building societies will remain reticent to lend any money on properties that are either over valued or where the mortgage applicant doesn't have a substantial deposit. There will always be exceptions to the rule and our panel of mortgage brokers are likely to be able to assist you in your search.


Talk of some banks only considering mortgage applicants who have a 30% deposit is going to make it even more difficult for first time buyer to get on the property ladder even if property prices fall by the predicted 30% by the end of 2009. Obviously, there are lenders who will consider applications with smaller deposits where the property is being sold for less than the current valuation. It is best to speak to one of our panel of mortgage brokers to avoid having to shop around and increasing your credit footprint.


The reality is that are all banks are prepared to lend money but they will be cherry picking their clients. If you have a poor credit record or lots of credit cards your application is likely to be downgraded. An experienced mortgage broker will know how to package your application so that it looks more favourable. If you have any credit cards where you can pay off the balance and cancel them; it would be advisable to do this now.

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.


By the end of 2009, it is estimated that more than one million property owners will have either had their homes repossessed or been forced to sell providing they are not stuck with negative equity. Even if you cannot afford to make the full monthly payments on your mortgage, you should pay as much as you can afford, even if you are going through the repossession process. The courts are less likely to award a repossession order if they can see that you are doing what you can to make your repayments. You should also speak to your bank at all times and make it clear to them that you are doing what you can. Use our online form to obtain an alternative mortgage quote so that one of our panel of mortgage brokers can get back to you as soon as possible.

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Our mortgage brokers are in the best position to inform you which lenders will offer you the cheapest mortgage rates. With interest rates falling some banks will be looking to slowly move back into the prime mortgage market.

Differentials in mortgage interest rates will be slight but the type of mortgage you take on may make significant differences to the level of repayments you have to make.