Financial Support for those with Credit Issues

Advice, Experience, & Knowledge

No need to pay expensive Broker Fees, our Expert Advisers will be able to support you through your tough times, and ensure you have the right mortgage from those Specialist Lenders. Use our Knowledge and Experience to find the right solution.

How we Support You..

Initial Discussion

Understanding your plan is so important. Ideally we would love to understand the current situation, look at your income and outgoings, along with a review of your credit file. Let's get that looked at first.

RESEARCH

Now we understand your situation, we work hard to find the right lenders / products for your borrowing requirements. This will be based on price, criteria, your credit details, and what will be affordable.

Decision in Principle

Let's get this approved! - A Decision in Principle gives us a strong confirmation as to what you can borrow, and sets your budget accordingly. If you are refinancing, this gives us a chance to check this is suitable.

Apply

Once you have agreed to proceed, we can look to submit a full application to the lender. A re-check of the best deals (and lender) is necessary if some time has elapsed. A Small Admin Fee is payable at this stage.

moving to offer

As you will appreciate, the lender will want to review your documents, property valuation, credit file and overall affordability. There may be other information needed, hopefully enough to get you to offer soon.

insure and complete

Once the lender is satisfied and you are offered, its with the solicitors to deal with your legal work. We can check your insurance needs, and once everyone is happy, we can look forward to completion! 

Adverse Credit - Questions

Blemishes on your Credit file will probably mean that you need to use one of the many specialist lenders that help clients in this situations. But what do you need to consider?

How Many Lenders Do We Have?

As an Independent Mortgage Brokers, we use almost every UK lender, including those that specialise in Credit Impaired situations. This gives you the benefit of knowing that every lender is considered and checked before we present our research back to you. There are some High street lenders that may allow some small issues, so we will check every lender as part of our usual routine.

What Can I Do To Get the Best Rates?

With such Mortgage cases, the quality of your documents is key to obtaining the best mortgage deals. Making sure you have your Income evidence, bank statements, a copy of your credit file, and your current outgoings. Once we have that information, we can start to work through your options, who can help, what rates you qualify for, and importantly what you can afford to borrow.

Any Other Alternatives?

This really depends on the situation. If you are looking to borrow additional funds, but have recently had a credit blip, then it may be that a Secured Loan is going to be cheaper than a full remortgage to a Specialist Lender. As part of our review we will consider your needs and check if there are any other options for you that will reduce your costs.

Customers served! £ 10 m Lending since 2017
Customers served! 10 + Mortgage Lenders
Customers served! 10 MOrtgage products AS AT 20/10/22

Mortgage Calculator

How Much Is My Mortgage Each Month?

Not sure what the amount, term or mortgage rate will mean for your mortgage payments?

Our Mortgage Calculator will give you an accurate idea of what you will need to pay each month.

If you would like us to discuss the options available to you, please book an appointment now!


years
Monthly Repayment: Total Interest Paid:
Please note: This calculation is a guide to how much your monthly repayments would be. The exact amount may vary from this amount depending on your lender's terms.

Testimonials from our Clients

profile-pic

Great Service Every time

We have been working with Justin for over 10 years now, and he always makes sure we have the best deal every time. We really appreciate the time he takes to look after us.

James H Client
profile-pic

Saved over £7,500 on my Mortgage

EHF ensured I got a great rate before they increased overnight. That saved me over £7,000 for the next 5 years. Thank you so much for sorting this out for us so quickly.

Barry McC Client
profile-pic

Made it So Easy

As a First Time Buyer, this all seemed to be confusing, but Justin made it all seem very easy. No way I could have bought my new home without his help. Thank You!

Charlotte F Client

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

Let Us Help You

Take a few seconds to get in touch - our Skilled Team are ready to help you, and you can see how EHF Mortgages are able to assist you.

0 of 350

Get In Touch

Take a few seconds to get in touch - our Skilled Team are ready to help you, and you can see how EHF Mortgages are able to assist you.

0 of 350
>