Can`t Get A Mortgage

First Choice Finance have broad range of experience in the mortgage industry, and have help many people get a mortgage when other mortgage companies have said that they can`t help you get a mortgage.

Finding and Selecting a Lender

If you have mortgage defaults, CCJ`s or other existing debts, you may find it more difficult find a mortgage or remortgage, but with an extensive panel of lenders we could help where other mortgage companies can`t. When you enquire to us for a mortgage or remortgage we look at your enquiry and search our panel for a deal that best suits your individual circumstances.

Selecting a lender is as important as the type of mortgage you take out and should be given the same level of research. You will most likely gravitate to the lender who offers the best rates. However, be sure to select the lender who provides the best deal and the best service. When you enquire to First Choice Finance your mortgage application will be dealt with by a qualified mortgage adviser who will help you through the mortgage process from beginning to end.

Refused A Mortgage

In some instances First Choice Finance will find we can`t help you find a mortgage, this does not mean we can`t help. As well as a large selection of mortgage deals, we also have available secured loans, personal loans and guarantor loans.

Reasons Why You Can`t Get A Mortgage

Mortgage lenders decline mortgage applications for many different reasons these include

• Missed payments on current debt
• Employment Status :- Are you employed, self employed or on benefits
• Loan To Value :- How much do you need to borrow, what is the property value
• Failed affordability check

Whatever the reason for your mortgage refusal, First Choice Finance may be able to help, call us now and speak to a qualified mortgage adviser.

Poor Credit Mortgages & Remortgages

If you are looking to purchase a home or refinance the one you are currently living in, but believe this may not be a possibility for you because you have bad credit, think again.

Just because you have bad credit does not mean you will not be able to receive a mortgage. In fact there are many lenders on our panel of lenders that are known as poor credit specialist that specialise in lending money to people with bad credit.

The names of these lenders may not ring familiar to you because they are not the typical lending institutions you see on the street corners of your town, but are lenders who have an established reputation lending millions of pounds each year to people who the banks have refused. The first thing you will need to do is locate a few of these wholesale lenders and shop around for a deal you believe to be fair. If you do not have success finding these lenders on your own, you may want to consider using a broker and have them shop around for you.

First Choice Finance have access to hundreds of lender plans with numerous options that could fit your needs. We are very experienced in our field and will not only find a bad credit mortgage lender for you, they will also council and educate you along the way. Fir more information please complete our simple online enquiry form or call us on 0800 298 3000

Mortgages & Remortgages 8.4% APRC. Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)

Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.