How we got Aimee's mortgage approved!
Whatever the situation we've got it covered. Just ask one of our thousands of happy customers like Aimee. Get matched to a broker that's right for you and get the 'yes' you've been waiting for.
(See how we could help you)
Buying a first home had been a priority for us for some time, and I’d been furiously saving for a deposit. Maxing out my Help-to-Buy ISA and putting extra into a savings account by doing extra shifts. My partner and I even moved in with parents for a while to cut out as many costs as possible.
There was a nagging issue in my mind, though. My partner had a history of debt and bad credit and this was affecting our ability to go to a high street lender or even include him on the mortgage altogether.
My partner’s debts and history of bad credit prevented us from getting approved on the high street
We wanted a three-bed property in Hartlepool and played around with some affordability calculators online to see whether I could get the mortgage just in my name, but with a car on finance and a single income it wasn’t clear. I needed advice.
Aimee and her partner moved in with her parents to save for their deposit
Online Mortgage Advisor grabbed my attention after seeing loads of great reviews about how they have helped people in similar circumstances to us, particularly those with bad credit. I filled out a form to speak to an advisor and that’s exactly what happened.
I was a bit nervous about annoying them with all of my questions, but they were great and gave me all the information I needed. They told me I would be able to borrow just in my name but would need more deposit, which gave me my focus for the next 12 months.
Online Mortgage Advisor grabbed my attention after seeing loads of great reviews about how they have helped people in similar circumstances to us, particularly those with bad credit.
After I’d saved the extra funds, I returned to Online Mortgage Advisor with my updated deposit amount, knowing what I needed this time. I was allocated a different broker but they were equally fantastic. I didn’t have to lift a finger and, before I knew it, was offered two mortgage lenders to choose from.
Knowing that I wanted to add my partner to the mortgage when his debts had been paid, they even sorted me a two-year fixed deal, and said we could come back to them when that expired to switch to a joint mortgage.
We’ve now got our three-bed semi-detached house and couldn’t have done it without the continued support of Online Mortgage Advisor and their network of experts.