first time buyer

ellabell_2

Hi all,

I hope someone can answer my question or give some advice.

I have been banking with lloyds for 20+ years and applied for a mortgage with them (had some credit cards and a car loan which had been paid off in full and closed 2 months prior to the applictaion but still have a loan oustanding with them regular payments made and all up to date).

I have been told by lloyds that i fall into the catagory C credit rating and they will only offer me 65% LTV.

My question is would there be any point in going to a broker? is there a chance another lender may offer more LTV?

thanks in advance

kingstreet

Yes. Obtain all three versions of your credit file before doing so.

There may be something visible you are not aware of.

ellabell_2

Thank you for your reply.:)