Bank Said No?
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- Bank Said No
Have you been refused a mortgage?
Just because you've had a no, it doesn't mean this is the end of the road.
There is no such thing as a Problem, it’s just a situation waiting for a solution.
We specialise in this area.
With whole of market access we can approach specialist lenders that may still help you. At Orchard Financial Advisers, we pride ourselves on our ability to solve ‘tricky’ cases.
It costs nothing to chat to us.
Our experts can review your circumstances and find possible solutions. We won’t charge you a penny until we submit a full mortgage application for you.
If we can’t help you….
We will give you the knowledge to improve your circumstances and an estimated time period before trying again. So at least you’ll have a plan of attack for next time.
Bad credit?
Different lenders have different attitudes to credit. For some, it can be a computer says no approach. For others, they have people that look at the bigger picture.
Our experts can put you in touch with the lender that has the best approach for you.
If you have missed payments, have CCJs or prior IVAs, we could still be able to help you.
Is the property type an issue?
Property criteria are ever-changing so just because one lender says no, others could say yes. As we are a whole-of-market, we have lenders that specialise in quirky property, unusual construction or property and in need of repair. As a firm we have a huge amount of experience in this area, you can get you a straight answer quickly.
Is affordability an issue?
Have you been told you can't afford to borrow the amount you need to remortgage your current property or buy the property you want to? Some lenders are more generous than others and our advisors might be able to partner you with a lender that is willing to lend you what you need.
Low Deposit?
If it is debt that is holding you back, be sure to speak with one of our advisers. Different lenders have different approaches to this and there are schemes that you may qualify for.
Whatever the problem. Before you give up, speak to an Orchard advisor. We WANT to help you.
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