Can I request a home appointment?
Yes, you can request a home appointment by contact us directly on our contact page or using my details here: ryanholmes@manorholmes.com or by phone 07889167537
What is a sub-prime mortgage?
A subprime mortgage is normally issued to borrowers with a low credit score. It typically carries a higher interest rate that can increase over time.
Can I get Mortgage with a default registered on my Credit File?
Yes, getting a mortgage with a default is possible. However, this is subject to the individual's case.
When should I seek Mortgage Advice?
Its very important that you speak to an advisor before viewing properties to get an idea on how much you can borrow. You don't want to be viewing houses that you can't afford, and many estate agents will not accept your offer unless you have a Decision in Principle.
Can I Buy a Buy to Let property if I do not already own a property?
Yes, although this will limit the amount of lenders who will be willing to lend to you. There are lenders out there and an expert advisor, like myself will find you one.
Will Lenders check my Credit Report?
Yes, the lender will look at your financial history to determine how responsible you’ve been in the past when borrowing money, and to establish how risky – or not – it would be to offer you a mortgage.
To check your credit report, follow the link below to sign up to CheckMyFile.
Try it FREE for 30 days, then £14.99 a month & cancel online anytime.
CheckMyFile produces a detailed credit report that checks data from Equifax, Experian and TransUnion. https://www.checkmyfile.partners/325F1DS/2CTPL/
