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Getting a mortgage can be difficult and, despite what you might expect, especially if you have small deposit or problems with your credit history. We often hear from people who have been turned down for a mortgage by their own bank or who have been told they can’t borrow the amount they need to buy the home they really want.
This can happen for all sorts of reasons.
It might be that you haven’t got a large enough deposit. But saving up a deposit isn’t always easy when you’re using a big chunk of your salary each month just to pay the rent.
Or you might find you’re offered a smaller mortgage than you need because the lender is only looking at your basic salary and isn’t taking into account your overtime, shift allowances, bank hours, or fees from second job.
And some banks will turn down your mortgage application if you’re newly qualified, have student debts, or have got a less-than-perfect credit score.
But here’s the good news…
UNIQUE
At Peters Financial Services, we’ve built relationships with lenders who understand your problems and look into cases on individual bases rather than just “computer said NO ”.
TRUSTED
This means that, if you’re currently renting and meet a few simple requirements, we can get you a 100% mortgage with no deposit needed.
STRAIGHTFORWARD
Plus we’ve got special schemes which allow you to borrow more than you could from your own bank – in some cases up to six times your own salary plus four-and-a-half times your partner’s salary.
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This all means you don’t have to settle for second best when choosing your new home. We can even help you get a mortgage if you’ve just started working or you’ve got a poor credit history.
To find out more and see which mortgage offers you qualify for, fill in our one-minute enquiry form or call us on 024 7601 4545 to get straight through to a mortgage adviser.
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About Peters Financial
At Peters Financial, we pride ourselves on providing personalised, friendly service to find you the best mortgage and insurance solutions.
We simplify complicated mortgage and insurance products by removing jargon and stress, guiding you through a smooth process from start to finish.
Try out our range of mortgage calculators to get a rough idea of how much you could borrow and estimated monthly payments.
Welcome to our comprehensive collection of mortgage calculators designed to put you in control of your home financing journey. Whether you’re exploring stamp duty costs, determining affordability, estimating repayments, or seeking the latest daily deals, our range of powerful calculators equips you with the insights needed to make informed decisions.
Take advantage of these valuable tools and embark on your path to successful homeownership today.
How does it work?
Equity is the portion of your home that you own outright – essentially the difference between your home’s current value and the mortgage you still owe. By remortgaging your current home, you may be able to release some of this equity. The released funds can then be used as a deposit for your new home, while the original property is rented out.
In practice, this involves two steps:
Remortgaging your current property to release equity.
Securing a mortgage on your new home using the equity as the deposit.
👉 Not sure how much equity you could release? Peters Financial can walk you through the figures and help you see what’s realistic.
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Peters Financial is an appointed Representative of Dragon Brokers Limited T/as The dragon network which is authorised and regulated by the Financial Conduct Authority under registration number 599430. Registered office 661 Foleshill Road, Coventry, CV6 5JQ. Registered in England
Peters financial is a credit broker and you can confirm our registration on the FCA's website.
The actual APRC you are eligible for depends pm individual circumstances.
If you are thinking about consolidating existing home borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you replay.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE
The guidance and or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Further details of the FOS can be found on its website: www.financial-ombudsman.org.uk