How we got Matthew's mortgage approved!
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After leaving university my partner and I decided we wanted to be paying into our own mortgage, rather than a landlord’s. After starting work we started putting money aside in savings & a help to buy ISA. In the end we managed to secure a deposit around 20%, so were both thinking we’re the ideal first time buyers at this point.
I thought we were going to be renting forever because of my credit history but now we find ourselves on the property ladder in our perfect three bedroom semi-detached house near Merseyside.
That said I made some poor decisions in my uni days and had defaults that led to adverse credit which we knew might make things more difficult. It’s one of those things that is easy to do when you’re young, without realising what the consequences might be. The worst bit is feeling like your mistakes are holding your partner back.
We approached a local broker,
But they simply didn’t have the expertise to help. With the weight of this issue on my shoulders I did a bunch of research.
Even though it was a couple of years ago now, I distinctly remember Online Mortgage Advisor popping up on quite a few searches for bad credit mortgages, but initially had reservations about a digital broker relationship. Reading the reviews though and seeing that their matching service was free, it seemed silly not to at least try and speak to someone and see if they could help us.
I quickly got matched with a broker and they were in touch within a day. To my surprise after explaining my situation, our deposit amounts, and what we’re after, our broker was very confident they could help. It did take about seven months for the whole process to be complete, but that was due to decision making on our side and not the broker.
But they stuck with us which we really appreciated, because it’s our biggest decision to date and we didn’t want to make any mistakes. The broker gave us a few options for lenders securing us a good deal with the lender most likely to give us a mortgage.
I thought we were going to be renting forever because of my credit history but now we find ourselves on the property ladder in our perfect three bedroom semi-detached house near Merseyside. Online Mortgage Advisor made this happen and I couldn’t recommend them enough to anyone that’s had adverse credit history like myself.
Reading the reviews though and seeing that their matching service was free, it seemed silly not to at least try and speak to someone and see if they could help us.