Mortgages with an IVA
An Individual Voluntary Agreement (IVA) can make it difficult to get accepted for a mortgage. We don’t think that’s fair. So we developed a solution.
Our platform uses a clever algorithm to match you to the perfect mortgage broker for your unique situation. Someone who’s up for the challenge, and has made mortgages possible for people an IVA, just like you.
Can I get a mortgage with an IVA?
Yes, you can. But it can be more difficult. Most mortgage lenders don’t like applicants to have an IVA on their credit file. That’s because it signals to them you have had credit issues in the past. So an IVA does make it more difficult to get approved for a mortgage, but only because a lot of mainstream lenders won’t consider you.
Luckily, there are specialist lenders who’ll consider you and look at the specific details of your credit history. Unlike a lot of mainstream lenders, they’ll make a decision based on your current situation and ability to make repayments, rather than seeing you have an IVA on your credit file and instantly refusing you.
To get a mortgage with an IVA on your credit file, speak to a specialist bad credit mortgage broker who has the right experience to help you. They’ll know the specialist lenders who’ll consider you and which ones will offer the most competitive mortgage rates.
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Bad Credit Calculator
See how bad credit issues affect how much you can borrow on a mortgage by using our bad credit calculator.
What is an IVA?
An IVA (or Individual Voluntary Arrangement) is a legally binding agreement between you and your creditors (people who you owe money to). It’s so you can repay your debts over an agreed time period, usually between 5 and 6 years. You can get an IVA for lots of different reasons, but generally they’re to repay debts you might have from:
Bank overdrafts
Personal loans
Credit cards and store cards
Catalogue debts
Council tax arrears
Hire purchase debts
Funds owed to HMRC
An IVA is arranged by an insolvency practitioner. You and your creditors will agree on a payment plan that takes into account your current financial situation and how much you can afford to repay. An IVA is useful to stop you falling into more debt caused by increasing interest. Plus, it gives both parties clarity on what will be repaid, and when.
Repayments under an IVA are usually made monthly, but can be made as a lump payment. At the end of the agreement, you won’t owe any more money to your creditors.
An IVA will show up on your credit file and will negatively impact your credit score. But the benefit of an IVA is the debt is frozen – and you can make repayments that are affordable to you.
How does an IVA affect my credit history?
Your credit score will go down after an IVA. This means it could affect your ability to borrow money – including credit cards, loans, mortgages or mobile phone contracts.
When lenders see an IVA on your credit file, they perceive you to be ‘high-risk’ because you’ve faced difficulties in repaying debts in the past. But it doesn’t mean you won’t be able to borrow any money.
How long does an IVA stay on my credit file?
An IVA will stay on your credit file for a period of six years, starting from the date that it was approved. It’ll be marked as ‘complete’ when you have settled the debt, but it’ll be visible for six years. During that time, your IVA will be visible to lenders. In addition, any debts that were included as part of your IVA may be included separately on your credit report.
After the IVA has gone from your credit report, some lenders will ask you during the application process whether or not you have a history of credit issues. In that case, you should always let them know.
Do I have to declare an IVA on a mortgage application?
It’s a really good idea to declare an IVA on your mortgage application. Even if the IVA has dropped off your credit file because it was over six years ago, a lot of lenders will want to know if you’ve ever had any credit issues in the past.
It’s always better to be upfront and honest about any past credit issues because it’ll save you time and money. If you don’t let them know, you could end up starting to pay fees to later get refused if they find out. So honesty is definitely the best policy for everyone.
How soon after an IVA can I get a mortgage?
Most lenders will want your IVA to have dropped off your file before they offer you a mortgage. That happens six years after the start date of the IVA. Specialist lenders are more likely to offer you a mortgage while it’s still active on your credit file (under six years from the start date). Specialist lenders will still prefer the IVA not to be recent. The less recent it is on your credit file, the more they’ll be likely to lend you.
Do I need to put down a higher deposit or pay a higher rate of interest after an IVA?
You might be asked to put down a higher deposit to get a mortgage if you have had an IVA in the past. And it’s possible interest rates might be higher. A higher deposit is essentially less risk to the lender, so they might be more willing to consider you for a mortgage. It’s the same with a higher interest rate – the lender is getting a bigger return from you, and therefore it’s less ‘risky’ for them to lend to you.
But every mortgage application is a unique situation, and deposit amounts and interest rates will vary between lenders. If you’ve had an IVA, working with a specialist mortgage broker is the best option because they know the specialist lenders who’ll be willing to lend to you.
Should I improve my credit score before applying for a mortgage?
Usually, the higher your credit score, the easier it is to get approved for a mortgage. So it’s always a good idea to do what you can to improve your score before applying if you can. If you’re really pushed for time, and have a low credit score but need to get a mortgage soon; speak to a specialist mortgage broker who will be able to advise you on your options.
How can I improve my credit score after an IVA?
Having a higher credit score will always improve your chances of getting approved for a mortgage. Here are some top tips for improving your score:
Pay off any outstanding debt in full (including credit cards, loans, and similar). If that’s not possible, just pay as much as you can.
Make sure you’re listed on the electoral roll.
Consider reviewing the number of credit cards and accounts you’ve got open. Even if they don’t have outstanding balances.
Use your available credit in a sensible way. For example, make small purchases on your credit card and pay off the balance in full each month. That can help build your score because it shows that you’re making repayments on time.
Another option is to wait until bad credit issues like CCJS or IVAs are removed from your file.
How do I remortgage with an IVA?
When you’re on an IVA, there will be restrictions on your property. Your IVA agreement will include terms for your property. And the terms will apply for the entire time you’re on the IVA. Check the agreement to find out what the restrictions are. Usually, you won’t be able to remortgage while your IVA is still in place.
Six months before your IVA is due to end, you’ll get a copy of your agreement from your IVA provider, or insolvency practitioner. They’ll do this to review the terms of your agreement. During the review, your IVA provider or insolvency practitioner will:
Send you a copy of the property sections from your IVA proposal
Ask your mortgage lender for a current statement to show how much it will cost to pay off your mortgage
Do a valuation of your property
After they’ve done this, they should let you know what to do next. It’s always a good idea to check your credit rating at this point, so you know exactly where you stand and how lenders will see you after your IVA. You should then work with your mortgage broker to see which specialist lenders will consider you for a remortgage.
Can you lose your home with an IVA?
It’s possible to lose your home if you don’t keep up with your payments. But as long as you keep up with your payments, your home will be protected. One of the main benefits of being on an IVA agreement is that you don’t need to sell your home to pay off your debts, so as long as you can stick to your payment plan, your home is safe.
Can I sell my house while in an IVA?
You’re free to sell your home if you’re on an IVA, but depending on your situation, it could be better to wait until your IVA is completed. That’s because selling a home is expensive. There’s legal fees, valuation fees and stamp duty. Because you’re paying back a set amount to whoever you owe money to, it could be better to stay in a stable financial situation while you’re on the IVA.
Why use Haysto?
We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.
We help when others won’t
Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.
Speak to a real person
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
Your success is our success
Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.
SAY HELLO TO YOUR SPECIALIST BROKER
Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.
Ben Patten
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Luke Grosse
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Sarah Earnshaw
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Yogesh Parekh
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Jemma Talliss
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Paul Clark
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Lynn Cutts
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Steve Hatton
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Jeanette Clark
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Carrie Knight
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Jonathan Hunting
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Meet our advisors
Ben Patten
Ben’s a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker with over 20 years experience in financial services. He takes huge pride in getting his clients the best possible outcome. He has access to many specialist lenders that require an introduction from a financial professional so he can help even very complex adverse credit cases.
Ben’s specialist area is adverse bad credit, situations like late payments, CCJs, defaults, bankruptcies, IVAs and debt management plans. He also specialises in getting self-employed clients on the property ladder and can help limited company directors, contractors, bridging, second charges, as well as being able to organise insurance like life insurance, critical illness protection, income protection, and family income benefit.
Ben says:
“I have over 20 years experience in financial services, specialising in adverse credit. Within this time I have developed a great knowledge about the challenges that people face and what impact this can have on their lives as well as their finances. My role is not to judge, as people sometimes do, I support and empathise with my clients and enjoy finding the most suitable and best solutions for their needs.”
“Would like to thank Ben Patten for his fantastic service. We knew finding us a mortgage was going to be tricky, but he managed to find us the perfect one for our current circumstance which has meant we have been able to reserve our dream “forever home” A special thanks to Ben as he was there for us night and day with any queries we had and helped put our minds at rest!”
“What a Fantastic Service from start to finish. Great customer support from Ben Patten, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend, they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time.”
Meet our advisors
Luke Grosse
Luke’s a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who specialises in adverse credit and complex situations. He’s passionate about helping clients who have struggled elsewhere to get a mortgage – he’s not afraid of a challenge.
Luke specialises in getting mortgages for clients who have a history of late payments, defaults, CCJs, IVAs, debt management plans and mortgage arrears, as well as being a specialist broker for self-employed clients and mortgage protection.
Luke says:
“I have 6 years in financial services in differing roles so I understand the impact finances have on everyday life. I specialise in helping people with adverse credit. I always want to fully be there to help my clients. There is no greater feeling than calling a client who never thought they would be able to get a mortgage, to tell them that their mortgage has just been offered. In my spare time, I am a huge American Football fan so I love relaxing after a hard week to watch a game.”
“I started my mortgage journey thinking I could never get a mortgage, well if I did it would be a long time due to a few mistakes I made back when I was a student. I finally came across Luke Grosse. After months of searching things couldn’t have gone smoother on his end, he got me a mortgage offer. Easy to talk to, straight forward, explained everything in detail while being patient. Couldn’t recommend Luke any higher as my experience with him was fantastic. Finally completed my purchase today and now I am a homeowner with my fiancé.”
“Fantastic experience, from Luke Grosse for my mortgage application. With me thinking I wasn’t ever going to get one, 8 months later I am now in my house and a proud homeowner! If you are on the fence about using this company, then really look no further. Give them a call and start your journey!”
“We cannot fault the service we have been given by Luke Grosse, excellent communication and very fast process. We highly recommend. Thank you.”
Meet our advisors
Sarah Earnshaw
Sarah is a CeRER and CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker. She’s worked in the mortgage world for over 20 years. Starting as a cashier in a bank and worked her way up to leading a team of 20 mortgage advisors to give the best quality advice.
Sarah specialises in self-employed mortgages, as well as bad credit cases and new builds.
Sarah says:
“I especially enjoy helping self-employed clients, because it can be complicated for clients to work out what income they can use. And I like helping them with that. Recently, a highlight for me has been helping clients who have been affected by COVID-19 to get a mortgage. I just helped a self-employed client who had been point-blank refused a mortgage elsewhere, but I got them an offer by using their latest highest years accounts. This led to a family moving from a small boat, where they were overcrowded with 2 children, into their first ever home on land!”
“Thank you for all your help you have given me since getting my first mortgage, everything is always very smooth sailing when dealing with you, your communication and customer service is second to none, I would recommend you every single time. Absolute top service from start to finish.”
“Sarah has been my Rock. I'd be lost without her quick thinking and responses. She found me a mortgage when I thought in lockdown nobody could have one. 100% she comes highly recommended”
“Sarah has been the most amazing support I could have asked for during an extremely hard time. She has kept me updated all the way through my mortgage process, offered me great advice and found me a fantastic mortgage for my daughter and I. Sarah is not only professional but personable too. I would recommend Sarah to anyone who needed financial advice. During COVID this was an added stress but nothing was too much trouble and she was there every step of the way to support me.”
Meet our advisors
Yogesh Parekh
Yogesh is a CeMap (Certificate in Mortgage Advice and Practice) qualified mortgage broker who has over 20 years’ experience working in the finance industry. Yogesh is committed to getting the best result possible for his clients, and always goes the extra mile to help.
Yogesh specialises in all forms of complex mortgages like Help-to-Buy, Right-to-Buy, concessionary purchases, debt consolidation, late payments, CCJs, defaults, bankruptcy, IVAs and Debt Management Plans (DMPs). He also specialises all forms of self-employed, such as helping limited company directors, contractors, and freelancers get their dream home.
He’s also an insurance broker who knows the market thoroughly. Yogesh can help with bridging, second charges, life insurance, critical illness, family income benefit and income protection.
Yogesh says:
“Every customer is unique and has their own specific requirements. Every customer is special and whenever I get a result for a customer I feel a sense of great personal satisfaction that I have helped the customer come one step close to their dream.”
“An absolutely fantastic and professional service received from Yogesh he handled our case in the manner you would want. Even though it was a complex case, he went the extra mile in finding us the right product for us. And most of all he did what was right for us, kept us updated throughout the whole time, not just sell and make money for himself he found the best product for us and I give him 5 star service, thank you so much Yogesh will definitely come back to you.”
“Yogesh is my go to guy! I don't think there is anything he can't do! service was excellent from start to finish, and the whole process was a breeze. highly recommended!”
“Without a doubt, one of the most professional & efficient brokers I have come across in my years in business, I was dealing directly with Yogesh, throughout the whole phase of the mortgage, he kept me updated & managed to source us the best package that was on the market. Thank you.”
Meet our advisors
Jemma Talliss
Jemma is a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who’s been a whole-of-market mortgage broker for 17 years.
Jemma’s extremely experienced with getting mortgages for her self-employed clients, first-time buyers, homemovers, Help to Buy, Right to Buy, concessionary purchases, remortgages and all kinds of bad adverse credit issues too. She can also help you with insurance like life insurance, critical illness protection and income protection.
Jemma says:
“I started my career specialising in Right To Buy mortgages and helping people to purchase properties and remortgage when their credit was impaired. I have years of experience in an ever-changing market. I like to keep my knowledge up to date, enabling me to continue to help and assist people in any area of their mortgage or protection needs. Looking for a mortgage can sometimes be a daunting prospect, especially if your circumstances are not straight forward, however I strive to make the process simple and less stressful where possible, and always give honest advice.”
“Jemma worked tirelessly to find us the best mortgage deal. Our case was not straightforward and she worked so hard to find the right mortgage for us and we are now living in our dream home all thanks to Jemma. She also sourced us the best life insurance policies and explained in depth the details, what we needed and why. Would highly recommend.”
“Well, where to start... I cannot rate Jemma highly enough!! She was the incredible advisor who successfully secured my mortgage. My particular case was less than straight forward (with it being a second home) and a few other issues, but Jemma, like me, was relentless in her pursuit of finding me a lender. We hit one stumbling block and one fell through (which was a sad/ stressful day) but as a woman taking it out on my own Jemma 100% understood how stressed I was and had found me another lender/ another AIP within 15 minutes. It was a battle, as my situation was. However, Jemma Talliss is proof that anything is achievable with the right experts. I cannot thank Jemma enough.”
Meet our advisors
Paul Clark
Paul’s worked on pretty much every specialist scenario there is. He’s a passionate CeMAP qualified (Certificate in Mortgage Advice and Practice) mortgage broker and has helped many people with difficult situations get on the property ladder.
He loves to simplify the mortgage process for his clients as much as he can, so it’s stress-free and easy to understand.
Paul specialises in bad credit situations, with a proven record of helping people with low credit scores, bankruptcies, CCJs, defaults, IVAs and DMPs.
He’s also helped many self-employed clients like contractors, those in a brand new job, or with only one year’s worth of trading history, first-time buyers and shared ownership clients.
Paul says:
“The reason I wanted to become a mortgage advisor is because I realised how complex it can be when I went through it myself. It’s so tough without any help. For me as a mortgage advisor, it’s important to be understanding, welcoming and above all, happy to help and answer questions, no matter how small they may be. My aim as an advisor is to build long-lasting relationships with my clients to continue to be their go to advisor for the rest of their mortgage future.
A career highlight for me was I once had a client who was in his 80s. His interest-only mortgage was ending and he was going to lose his house. Normally he would be too old for a standard remortgage but by researching the market and speaking directly with mortgage lenders, I managed to find him a lender so he could keep the family home for generations to come. That was a tough one but so rewarding. ”
“The level of service that we received from Paul Clark and the team was absolutely first class. We tried three other brokers before we came across Paul and none of them could help us, however, from our first phone call discussion with Paul, we could tell he knows his stuff. He took the time to present information to us in a relaxed, friendly and professional manner and he has been absolutely amazing. We recommend him to all our friends and family.”
“Fantastic! Our situation was a little more complex than most people but Paul Clark and Emily Grace where brilliant from the outset, always there to answer my questions and keeping us informed every step of the way. Fabulous and wouldn't hesitate in recommending them. Thank you so much!”
“Excellent service from Paul and his team, looked after us very well and have been very patient with our unusual case!”
Meet our advisors
Lynn Cutts
Lynn is a CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who’s previous experience in the banking industry has proved invaluable for her clients. Her experience means she knows the process inside out and can always get the best deal for her clients.
Lynn is now a mortgage and protection Adviser who specialises in getting mortgages for clients with bad credit issues like bankruptcy, IVAs, Debt Management Plans (DMPs), mortgage arrears, CCJs, defaults and missed payments
She’s also a specialist in getting her self-employed clients mortgages too – anyone who has a complex income like limited company directors, clients who have changed their trading style recently and don’t have accounts for their new business and clients who need to use their net profit.
Lynn says:
“I’m able to deal with all types of enquiries, but I particularly enjoy complex cases...I like a challenge! I previously worked in a bank arranging commercial mortgages, so I have first-hand experience of the mortgage underwriting process. This has proved invaluable, as I’m able to position difficult cases with lenders in the right way, to stand the best chance of them getting approved. I’m not afraid to challenge underwriters either if I feel they’re being unreasonable.I will always fight my client’s corner. I strive to get the absolute best deal for my clients, and make the process as easy and stress free as possible. I’ve helped many people who were told they would never get a mortgage. I can’t tell you how rewarding that is, and I look forward to making more clients' dreams a reality.”
“I met Lynn 4 years ago in 2016, at this time despite having excellent credit myself, my partner did not and I was told by other financial advisors I would never get a mortgage with him due to his debt issues. Having originally started buying property on my own in 2007 and with us both having high incomes at this time, I just did not accept this situation and by complete luck I found Lynn online. Lynn made this dream of buying our house in London a reality. Not only does she have specialist knowledge of debt plans but she is transparent, honest, reliable and she "says what she does and does what she says". She manages client expectations in an excellent way. Lynn is whole of the market, and genuinely looks at all mortgage products to find the best deal. Working as a solicitor over the past 12 years, I have met many financial advisors but none do I trust the way we trust Lynn. She is a miracle worker and the best financial advisor you can get! Thank you Lynn we look forward to continuing to work with you.”
“Lynn went above and beyond her duties to ensure we were well informed and gave us very clear advice along every step of the application process. If there were any issues she dealt with them promptly, and her attention to detail made us feel very assured throughout the whole experience. I cannot recommend her enough to anyone seeking mortgage or protection services, and I will be recommending her to my friends & family. She deserves an award for the level of care and dedication she puts into her work.”
“I was having a hard time getting a mortgage due to losing a business, and having to go bankrupt. Lynn has been absolutely brilliant and I don’t think I can thank her enough. She has supported me every step of the way, and finally last week I got the keys to my house, and a cracking rate, which given my circumstances is brilliant. I would highly recommend Lynn!”
Meet our advisors
Steve Hatton
Steve is a highly experienced CeMAP qualified (Certificate in Mortgage Advice and Practice) mortgage broker who loves to help his clients when they’ve been turned down for a mortgage elsewhere.
He specialises in bad credit mortgages, which includes getting mortgages for his clients if they have a history of missed payments, CCJ's, defaults, debt management programmes, IVA and bankruptcy.
He also specialises in self-employed mortgages and has had clients in the past who were sole traders, limited companies, contractors, and those with only one year’s worth of trading history.
Steve also has helped clients who are expats, and has lots of experience in remortgaging too.
Steve says:
“I've worked in the mortgage industry for 15 years in various roles before becoming a dedicated broker in 2018. In that time, I've helped people from all different walks of life with varying circumstances and complexities. I’m married with 2 young girls, and I believe the home is the most important part of any family. So I take great pride in being able to help people achieve their dream.”
“100 % fantastic service, Steve Hatton was not only professional, but also super supportive and found the best mortgage for us .... thank you very much again.”
“We had a long journey buying our first home together and recent pandemic events didn't help matters. Every step of the way, our advisor Steve was supportive, positive and we had every confidence in him. He was able to arrange a good deal for us and we were able to move into our dream house this autumn.”
“Steve Hatton - first class service! Achieved what my partner and I had thought was the impossible! Lots of ups and downs along the way but such a personal service and today we completed on our new home! Couldn’t fault any of the process!”
Meet our advisors
Jeanette Clark
Jeanette is a specialist CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker who loves a challenge. She specialises in all areas of adverse credit and self-employed mortgages and loves to help her clients get their dream home.
Her areas of expertise cover self-employed clients, buy-to-let and portfolio landlords, as well as first time buyers and remortgaging.
Jeanette enjoys helping clients who think they have no hope of owning a home. She especially enjoys helping first time buyers with their first homes.
Recently, Jeanette got a mortgage offer for a client who thought they’d never be able to afford their dream home, but she made it happen using the Help to Buy scheme.
Jeanette says:
“I have been a mortgage adviser for many years. It's the job I love. Finding a mortgage for people who have given up, or didn't think they would ever own their own home is a great feeling. Customer loyalty means a lot, when I complete a case for a customer, they automatically become a friend. I particularly enjoy being referred by customers to their own family and friends because it means I did a good job and they trust me. No two days are ever the same, and no two customers are ever the same, that’s what makes my job so rewarding.”
“I thought my life was over, but I'm going to provide my children with a home and start a fresh with your help.”
“We've used Jeannette for our initial mortgage and remortgaging; we've found their fees to be extremely low and I can 100% agree with their web-site statement that they go the extra mile - she genuinely does! We have an unusual working situation and Jeannette was able to find a mortgage for us after we were turned away by many high-street lenders. She's very diligent, friendly and open.”
“The whole process was quite easy and straightforward. I found that the fees were laid out in an easy-to-understand manner for a first time buyer like myself, and that my Mortgage Advisor, Jeannette, helped me to understand the process better. When I had questions, Jeannette responded clearly and quickly. Jeannette was recommended to me in the first place, and I'd certainly also do the same.”
Meet our advisors
Carrie Knight
Carrie is a very experienced and highly-qualified mortgage advisor. She has is FPC (Financial Planning Certificate) and MAQ (Mortgage Advice Qualification) qualified. Her qualifications means she can give you the best mortgage advice.
Carrie specialises in debt consolidation, remortgaging, adverse credit, late payments, payday loans, CCJs, defaults, bankruptcy, IVAs, Debt Management Plans (DMPs), self-employed, limited company directors, contractors, life insurance, critical illness protection, and income protection.
Carrie says:
“I have over 20 years experience in financial services, and have been a mortgage advisor for over 15 years. I specialise in adverse credit mortgages as I want to help people. I believe that we all make mistakes, but they shouldn’t define us. Mistakes shouldn’t mean we’re not entitled to the same options as everyone else.”
“Me and my wife could not be happier with the assistance we received from Carrie. We applied for a mortgage for our first home. Her clarity, knowledge and precision to detail made the process smooth and completely hassle-free. Carrie always explained the next step in the application process and broke-down structural/financial concepts in a way that made sense. Long story short - we got the dream home we wanted on a great mortgage that we feel confident tackling moving forward.”
“I would absolutely recommend Carrie to anyone looking for a mortgage to buy a home. Carrie was amazing at finding a mortgage and seeing everything through to completion. They were complete miracle workers! Especially during a time such as this in 2020!”
“Carrie was fantastic during our remortgage. I really appreciated all the advice and support they have given over the process. She was always patient with us and answered any questions and queries we had. She made sure we had everything we needed and found a product that was perfect for us. Really can't recommend her enough! Thank you.”
Meet our advisors
Jonathan Hunting
Jonathan’s a HND and CeMAP (Certificate in Mortgage Advice and Practice) qualified mortgage broker with 25 years experience in the finance industry.
He’s a dedicated family man who has a proven track record of getting people with bad credit a mortgage.
He also specialises in people who are self-employed, shared ownership cases, residential, buy-to-let, second charges.
Jonathan is also a protection specialist who can help get the right insurance for you.
Jonathan says:
“It’s so rewarding to help someone who’s been repeatedly turned down for a mortgage elsewhere. Sometimes clients think they have no hope of a mortgage before they come to me. I love helping them with solid advice and a specialist lender.”
“We had a fantastic experience with Jonathan. He was extremely knowledgeable about the best mortgages for our situation. I went from leaving a high street bank in tears thinking I would have to wait years to be able to obtain a mortgage, to a phone call with Jonathan the following day reassuring me he would help me have the house of my dreams within the year. He 100% delivered on this promise and was there to support us throughout the journey. We moved into our new build home at the start of November and are absolutely elated. We are now customers for life!”
“We had a fantastic experience using Jonathan Hunting, he was extremely knowledgeable about the best mortgages for our situation. I went from leaving a high street bank in tears thinking I would have to wait years to be able to obtain a mortgage, to a phone call with Jonathan the following day reassuring me he would help me have the house of my dreams within the year. He 100% delivered on this promise and was there to support us throughout the journey. We moved into our new build home and are absolutely elated. We are now customers for life!”
“Jonathan Hunting, my mortgage adviser, really helped and guided us all the way from start to finish of the process of our remortgage. Very professional in his work, I would not hesitate to recommend his services.”
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MORE ABOUT BAD CREDIT MORTGAGES
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