Find a mortgage broker

yv0nnedoc82

Hello,


We are hoping to apply for a mortgage for our first home in about 6 months. We have had debt problems in the past but have cleared these and are now rebuilding our credit worthiness.


Our credit files look clear - none of the old defaults are showing on there now and we don't have any recent missed payments or anything. However the "score" is still pretty low. I think we will have to avoid any high street lenders.


Other than just searching on Google I don't know how to find a decent broker. I've asked around but everyone I know just went to their bank so don't have any recommendations to pass on.


Any advice would be greatly appreciated.


Thanks


Yvonne

ACG

Have a look on google, give one or 2 a call and see how you get on with them. It can be a 2-3 month stressfull process so its important you find someone you like and trust.

I always say ignore the score, at best it is an indication. But it is also important to check if there is a reason for a low score.

Candyapple

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

To find a mortgage adviser/broker:
https://www.vouchedfor.co.uk/
https://www.unbiased.co.uk

ACG

Candyapple wrote: »

To find a mortgage adviser/broker:
https://www.vouchedfor.co.uk/
https://www.unbiased.co.uk

Stick to Google.
Both of those sites are little more than lead generatation sites. They both need brokers to pay for full listings and they both try and generate leads for the brokers on there (so they carry on paying their subscriptions).

Personally, we are on neither and I know many other brokers not on there. Google will give you more options.

dunstonh

To find a mortgage adviser/broker:
https://www.vouchedfor.co.uk/
https://www.unbiased.co.uk

Vouched for is expensive and not used by many. (expensive as in the having to pass those costs on to the clients that use that firm).

Unbiased used to be great but has gone commercial and more lead generation which has seen less advisers use it. They do have an option in the filters to show adviser firms that do not pay them to advertise.

Google seems to pick up the firms that do not advertise and dont need to advertise. So, stick with that.

CD*_2

yv0nnedoc82 wrote: »

Hello,


We are hoping to apply for a mortgage for our first home in about 6 months. We have had debt problems in the past but have cleared these and are now rebuilding our credit worthiness.

...

Any advice would be greatly appreciated.


Thanks


Yvonne

Make sure that they're Whole of Market advisers, who have expertise in adverse credit.

xyz123

yv0nnedoc82 wrote: »

Hello,


We are hoping to apply for a mortgage for our first home in about 6 months. We have had debt problems in the past but have cleared these and are now rebuilding our credit worthiness.


Our credit files look clear - none of the old defaults are showing on there now and we don't have any recent missed payments or anything. However the "score" is still pretty low. I think we will have to avoid any high street lenders.


Other than just searching on Google I don't know how to find a decent broker. I've asked around but everyone I know just went to their bank so don't have any recommendations to pass on.


Any advice would be greatly appreciated.


Thanks


Yvonne

On top of suggestions already given, you can always share your location in UK and ask her for anybody who can recommend local brokers (though these days with everything being mostly digital, you don't always need to personally visit broker so location may not be very critical. Good luck