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Mortgages after using payday loans
If you’ve used payday loans, it can be 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 who’ve used payday loans, just like you.
Can I get a mortgage after a payday loan?
Yes, you can get a mortgage after a payday loan. But they do affect how likely a lot of lenders will be to consider you, especially if this sits alongside other issues on your credit file.
Lenders tend not to like seeing payday loans on applicants' credit file because they think it means you’ve had financial issues in the past, and therefore might not be able to keep up with mortgage repayments if they lend to you.
But just because some of the mainstream lenders will refuse you doesn’t mean all lenders will. Lenders have their own rules when it comes to giving mortgages to people who’ve used payday loans. Some might turn down your application as soon as they know about it – even if this was five or six years ago. But specialist lenders might consider you. They’re more likely to be willing to look at your individual situation, rather than just turn you down on the spot.
Specialist lenders will usually want to know:
When you took out the loan(s)
How much you borrowed
How many times
How quickly you paid them back
Using this information, they’ll decide whether they’re willing to lend to you. Quite often, they’ll look at how long ago the last payday loan was taken out. If it was recent, they’re less likely to accept you for a mortgage. But if it was years ago, that will work in your favour.
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Why do mortgage lenders dislike payday loans?
Generally, lenders don’t like payday loans because they take it as a sign you might find yourself in financial difficulties in the future.
Lenders like reassurance that they’re not lending to high-risk individuals. And some lenders think relying on payday loans to cover your everyday living expenses means you might not be able to keep up with your monthly repayments. But this isn't true in a lot of cases. And that’s why it’s important to work with a specialist broker directly who’ll take the time to understand you and your situation. They’ll be able to approach the right specialist lenders who’ll consider your mortgage application.
How long can lenders see a previous payday loan?
Lenders will be able to see any payday loans and other borrowings on your credit history for six years. Some lenders will still ask you if you’ve ever taken out a payday loan, even if it’s disappeared from your file. If this happens, you should confirm the details.
What are my options if I have been declined a mortgage due to a payday loan?
It’s common that mortgage applications are rejected by mainstream lenders when there is a history of payday loans, especially if they were recent. But just because you’ve been rejected, it doesn’t mean you won't get a mortgage somewhere else.
If your bank, building society or a mortgage broker has declined your mortgage application:
Talk to a specialist mortgage broker who has a proven track record of helping people with a payday loan history.
Make sure any outstanding payday loans are paid before your application.
If possible, save up a good-sized deposit because lenders will often be unwilling to approve mortgages with a higher loan-to-value (LTV).
How soon after taking out a payday loan can I apply for a mortgage?
If your most recent payday loan was more than six years ago and you have no other credit issues, you’ll have more mortgage options available to you than if you’ve got a history of taking out lots of payday loans.
Some lenders will reject applications from any individual who has used payday loans at any point in the past, while others will consider the reason why the money was borrowed, how it was repaid and the efforts you have made to make sure you do not need to use this type of loan in the past.
Do payday loans help you get a mortgage?
No. It’s not true that getting payday loans can help you get a mortgage. The reason some people think payday loans might help you get a mortgage is because it’s a form of credit. Paying any form of credit back on time is a good thing for your credit score as it shows you’re a good borrower who can pay on time.
The issue is, lenders don’t just look at your credit score when they assess whether to give you a mortgage or not. They look at many other things too. So even if you had a perfect credit score because you always pay back your credit on time, they might still reject you for taking out a payday loan when they see that in your credit history.
Will payday loans mean I can borrow less?
It depends on your situation. Some lenders will be willing to offer you less on a mortgage if you’ve had payday loans in the past. Similarly, sometimes lenders will want you to put down a larger deposit.
If your payday loan wasn’t recent, for example, five years ago, some lenders might be willing to give you a competitive rate, but sometimes if it was a recent loan, they might offer you a much less competitive rate.
How much can I borrow on a mortgage if I’ve used payday loans?
This totally depends on your situation. A lender will look at many factors to decide how much they’re willing to lend you after a payday loan.
These are the things that will affect how much you can borrow:
Affordability: A lender will assess what kind of affordability you have. This means they’ll look at your income and your outgoings to work out what they’re willing to let you borrow for your mortgage.
Mortgage type: If you have an excellent credit rating and no history of payday loans, this generally means there’s every kind of mortgage open to you. If you have a history of payday loans, this can mean there’s less mortgage types open – which affects how much you can borrow.
The loan-to-value (LTV): The LTV means how much a lender is willing to lend you as a percentage of the total value of the property. A good LTV would be something like 95-90% of the value of the property you want to buy. If you have bad credit or a history of payday loans, lenders might want to offer you a lesser percentage value. The LTV is also affected by the amount of deposit you have. The larger a deposit you have, the higher the LTV usually is.
Mortgage rates and fees: A lender could charge you a higher rate if you’ve used payday loans. They might do this with anyone who hasn’t got an excellent credit score.
Are payday loans a sign of bad credit?
On their own, payday loans aren’t a bad credit issue and don’t reduce your credit rating.
Mortgage lenders carry out a detailed analysis of your credit report before they agree to give you a mortgage. They look for things like: CCJs, IVAs, bankruptcies.
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 before getting 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.
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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