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Which banks are lending * refused a mortgage * application declined by a bank * can't get a mortgage * first time buyers and homeowners remortgages

If you are a first time buyer, a homeowner with negative equity, or have a fixed interest mortgage that is coming up for renewal and have been refused a mortgage; you may be wondering which banks are actually in the mortgage market and prepared to grant you a mortgage.

Help may be at hand in the shape of our panel of mortgage brokers who will be happy to look at any application and come back to you with an offer from a bank. Just complete our online form and we will pass your enquiry onto a broker who is best placed to be of assistance.


Knowing which banks are lending and understanding where to apply for a mortgage is a job for people who are experienced in the business. Some banks are obviously not keen to dip there toes back in the mortgage market. Many have lost so much money they will not be seriously looking to get back in the pool for some time to come.


If you have been refused a mortgage by your bank, this information is likely to end up on your credit report for every other lender to see. The last thing you want to do is start doing the rounds and leaving a credit footprint for every bank to see. Our panel of mortgage brokers will be able to come up with a variety of solutions if you have debt problems or a bad 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 been turned down, rejected or had a mortgage application declined, all is not lost as there may be other banks that will be prepared to help. Lenders tend to have different lending criteria; the secret is knowing which lenders would be most likely to look at your application in a favourable light.


If you already have a mortgage and you are in financial difficulties and have been declined mortgage due to bad credit card debt, CCJs or outstanding payments on other loans; one potential solution may be to apply for an IVA.

An IVA will not be the ideal solution for everyone who is in financial difficulties but in circumstances, it can substantially reduce your monthly out goings.


Even though property prices are coming down and likely to continue to fall for the time being, some first time buyers are still going to find it difficult to get on the property ladder. A deposit will be an absolute requirement and you will also need to have money to pay any other expenses such as conveyancing fees and removal costs.

You should use the online form to find the best rates and monthly repayments available to you. Our panel of experienced mortgage brokers will be able to provide a number of alternative quotes.

Cheap interest
Difficulty obtaining a mortgage
Lower interest rates
Birmingham brokers
Brighton Brokers
Bristol mortgage brokers
Specialist mortgages
Poor credit
Preferred mortgages
Problem getting a mortgage
Reduce interest repayments
Mortgage without a deposit
No deposit mortgages
Central London Mortgage lenders
Enfield brokers
Fast mortgage offers
Lowest rates of interest
Mortgage funds available
Islington lenders
Kensington Brokers
Can't get a mortgage
Difficulty getting a mortgage
Mortgage declined
Refused a mortgage


If you are a homeowner with a fixed rate mortgage that is coming to an end; you will most likely find that your monthly repayments will have increased enormously, despite the fact that the Bank of England has recently reduced their interest rates. Providing you are not sitting in a property with negative equity and have some room to manoeuvre, our panel of mortgage brokers may be able to find a lender with a more competitive rate of interest.