Do I need a specialist mortgage broker post discharge from sequestration?

I was discharged from sequestration in September 2012. We have been renting since 2009, after voluntarily handing the keys of my property back to the mortgage company. We are currently looking at buying a property which needs some refurbishment and doing the work ourselves, to get us back on the property ladder. I spoke to a mortgage advisor to gauge the chances of getting a mortgage again. They didn't have much experience of people in my situation. My question, is am i better trying to find a mortgage broker who is experienced in dealing with mortgages for people with difficult credit histories? I have worked hard to repair my credit rating, and it's around 990(ish) according to Experian. Will the BR still have a massive impact on my chances of getting a mortgage now and the interest rate I'm offered. Just trying to work out the sums on what we could afford, but most of the mortgage calculators suggest interest in the region of 2.4% and I doubt this would be realistic. Any advice or suggestions would be gratefully received.


  • markjmatthews
    markjmatthews Forumite Posts: 6
    First Post
    I am a Mortgage Broker
    Most Mortgage Brokers should be le to deal with your query, to source I would need a lot more information.
    However, there are at least 20+ lenders available to you

    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.

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