FAQ

Even if you have a low credit score or a poor credit history, there maybe options available to you.

Yes it can be. This is why we recommend consulting with an experienced, qualified mortgage expert who will offer you professional advice.

Any mortgage lender will ask that you can prove your identiy, income and that any mortgage you apply for is affordable to you.

Yes, some lenders accept applications with deposits as low as 5–10%, although a larger deposit may improve your chances of approval and secure better rates.

Not necessarily. Lenders will look at your overall income stability, so self-employed, freelance, or part-time applicants can also qualify if they meet affordability criteria.

Yes, self-employed applicants are eligible. You’ll need to show proof of income through tax returns, accounts, or SA302 forms depending on the lender’s requirements.

The process can vary, but typically it takes between 2 to 6 weeks, depending on the lender’s processing time and how quickly you provide the required documents.

If your application is declined, don’t worry. A mortgage expert can help identify the reason, improve your profile, and match you with a lender more suited to your circumstances.