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Which lenders are easiest to get a mortgage with?
fund_manager
Posts: 52 Forumite
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There's a lot more to it than bank statements, and the lender that was easy for John doe might be impossible for you.
Best thing to do is instruct a broker who will do a fact find with you then advise accordingly, be sure to make it clear an easy application is a priority over a cheaper rateI am a Mortgage Adviser
You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Some Lenders do not check bank statements - as Betmunch says, engage a good broker.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
I have not made any real attempt to curb spending so my three months bank statements dont make great reading!
Gone overdrawn?0 -
I don't think Post Office wanted bank statements, but that was quite a while ago.Changing the world, one sarcastic comment at a time.0
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In my experience, Halifax are generally a bit more laid back with their requirements. But as everyone else has said, you need to get a good broker. Where are you based?0
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Pay day loans? Betting?
It's more than easiest to get a mortgage, it's more which is most suited to you and one you can afford.
No point in applying to HSBC for example and you only have a 5% deposit with betting and pay day loans with adverse credit file."It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
Normally if you think you are going to be wanting to get a mortgage soon (next 6 months for example) you do curb your spending so it seems a bit odd that you haven't and are now worrying about how it will affect your chances.
You need to speak to a good independent mortgage broker; they know there stuff and will know which lenders to approachMFW 2025 #50: £711.20/£600007/03/25: Mortgage: £67,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
27/12/24: Debt: £0 🥳😁
27/12/24: Savings: £12,000
07/03/25: Savings: £16,5000 -
I don't think Post Office wanted bank statements, but that was quite a while ago.
Again, it's possible they do in some cases (different circumstances can mean different criteria and checks) - and from what I've read the PO have traditionally been quite strict/tight on scoring and very cherry-picky about who they lend to (yes, I know all mortgage lenders "cherry pick" - but you know what I mean...).0 -
Halifax wouldn't offer to me at 75% LTV but they are one of the faster to push things through. Nationwide offered the full amount but are slightly slower depending on your circumstances. As for easy, it just depends on so many things but a broker knows best for sure0
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