How we got Claire's mortgage approved!

My husband was previously declared bankrupt and had his home repossessed. Obviously, this was serious at the time but he’s since cleared his debts and has no current credit issues, so we were in a good position to get back onto the property ladder, that is if lenders wouldn’t be scared off by the previous bankruptcy.

Realistically we needed an expert from the start to help us navigate these concerns. We didn’t want to risk applying for mortgages on our own, knowing that being rejected would likely affect our credit score and make things worse.

I came across Online Mortgage Advisor when searching for information about mortgages after bankruptcy and felt reassured by the success stories and reviews of people like us. Being honest, it seemed a little too good to be true, but it wasn’t long after getting matched with a broker that we knew we were in safe hands. A call on Sunday, which isn’t always possible, worked out perfectly for navigating work and the kids!

My plan, at first, was to maybe get the mortgage as a sole applicant for a better chance of approval as I have a good credit history. I could then add my husband at another time, if possible. After explaining our situation to our broker, they actually advised that we would both still be able to be named on the new mortgage, which was amazing news!

From there it was pretty easy with the broker doing most of the legwork. Funnily enough, our mortgage offer came from the lender that previously repossessed my husband’s old property.

Having both our incomes on the mortgage meant we could reduce our deposit and put some of this money into home improvements. I’d highly recommend that you let Online Mortgage Advisor match you with the right broker and challenge what you think is possible.