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can anyone recommend a broker
smnb08
Posts: 488 Forumite
Hi please help as i dont know where to start!!
I have no idea where to start in finding a broker.
My partner and i both have bad credit pasts we have a couple of defaults and ccjs all for small amounts and sattisfied now.
We need a mortgage of 4.5x our income although if they will take into consideration a second job that i have been doing for a month this would be less than 4x our income.
we do have about £40,000 minimum to put down from our current house.
i read on here that charcol are good mortgage brokers for credit probs but they only seem to lend 3x your income.
can anyone reccomend a broker that may be able to help with the above.
many thanks xx
I have no idea where to start in finding a broker.
My partner and i both have bad credit pasts we have a couple of defaults and ccjs all for small amounts and sattisfied now.
We need a mortgage of 4.5x our income although if they will take into consideration a second job that i have been doing for a month this would be less than 4x our income.
we do have about £40,000 minimum to put down from our current house.
i read on here that charcol are good mortgage brokers for credit probs but they only seem to lend 3x your income.
can anyone reccomend a broker that may be able to help with the above.
many thanks xx
sealed pot challenge member #920
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Comments
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where do you live?I 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 -
i live in derbyshiresealed pot challenge member #9200
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east midlandssealed pot challenge member #9200
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Sorry dont know anyone there, nearest person I know is norfolk area. Hopefully someone will come along soon who knows a local broker but the best way to find one is ask around friends colleagues and familyI 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 -
I went to a broker who works for a company called Mortgage Talk, he was using a Whitegates estate agents as his office but totally seperate company, just type it in on google, I also live in the East Midlands0
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Thank you both for your replies.
QA5IS did the broker you mentioned deal with poor credit or higher income multiples do you know??sealed pot challenge member #9200 -
London and Country sorted mes and Ms Freda out last year. Good old Northern Rock as well!
http://www.lcplc.co.uk/0 -
Also depends on whether you want a face to face broker, or if you are happy to deal over the internet/phone/mailI am a Mortgage AdviserYou 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
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Im really not bothered so long as it doesnt take any longer i would be happy to do it over the phone.sealed pot challenge member #9200
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its actually quicker to deal over the phone and suits a lot of people who work better - it also helps the broker as they get your undivided attention and vice versa - you'd be suprised how many distractions we get on client visits. I keep a bag of sweets and colouring pads in my office for my clients children! (don't tell anyone but sometimes I colour in them too)I 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
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