need a mortgage

malloandson

hi
I am self employed but with a history of arrears and defaults, I am looking for a 75% mortgage, can anyone advise where I could approach a lender or broker.

homer_j_3

You can find a broker through recommendation of friends, family etc. You can google or use various other websites to try and locate one.

Self cert deals are not something that are usually offered direct and with a history of arrears and defaults, you may be looking at more specialised lenders. With a 25% deposit, you should be ok for choice.

I would grab a copy of your experian and equifax reports and when you have found a broker, let them have a look at them before they start doing any credit searches.

You need to ask your broker whether they can access every lender that will deal with brokers. You do not have to pay a fee for the advice either but some may charge fees so you need to ensure that you find out this when you are searching.

Retired_Minky

I can recommend a good broker who deals with people with difficult credit history.

He has just got someone I know with a poor credit rating sorted.

Please drop me a message and I'll pass on his details.

malloandson

binning wrote: »

I can recommend a good broker who deals with people with difficult credit history.

He has just got someone I know with a poor credit rating sorted.

Please drop me a message and I'll pass on his details.

If you can I would apprecite your help, thanks