What Documents First-Time Buyers Must Provide for a Mortgage Applying for your first mortgage can feel paperwork-heavy, especially if you...
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First Time Buyer Mortgage Guides
These guides are designed to help first time buyers understand how lenders assess affordability, deposits, credit history, income types, and overall eligibility. You’ll also find practical advice on preparing documents, strengthening your application, and understanding what affects borrowing potential. Clear, straightforward guidance to help make the process easier and more predictable.
Mortgage Valuation: First-Time Buyers Need to Know
Mortgage Valuation: What First-Time Buyers Need to Know For many people buying their first home, the mortgage valuation first-time buyers...
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Mortgage Declined Due to Retention: What a Valuation Retention Means
Mortgage Declined Because Valuation Included a Retention Mortgage declined due to retention is a situation many buyers face after a...
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Mortgage Declined Due to Short Remaining Lease Term: What You Need to Know
Mortgage Declined Due to Short Remaining Lease Term If your mortgage has been declined due to a short remaining lease...
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Mortgage Declined Because Property Was Previously Uninhabitable
Mortgage Declined Because Property Was Previously Uninhabitable If your mortgage has been declined because the property was previously uninhabitable, it...
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Mortgage Declined Because Ground Rent Clauses Breached Limits: What It Means
Mortgage Declined Because Ground Rent Clauses Breached Limits If your mortgage has been declined because ground rent clauses breached limits,...
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Mortgage Declined Because Property Is Above Multiple Retail Units: Why Lenders Decline
Mortgage Declined Because Property Is Above Multiple Retail Units A mortgage declined because a property is above multiple retail units...
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Mortgage Declined Because Flat Has Commercial Storage Below: Why Lenders Decline
Mortgage Declined Because Flat Has Commercial Storage Below A mortgage declined because a flat has commercial storage below can come...
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Mortgage Declined Because Property Was Ex-Local Authority: Why Lenders Say No
Mortgage Declined Because Property Was Ex-Local Authority A mortgage declined because the property was ex-local authority can be unexpected, particularly...
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Mortgage on a Short Lease Flat: What Lease Length Triggers a Decline
Mortgage on a Short Lease Flat: What Lease Length Triggers a Decline A mortgage on a short lease flat can...
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Mortgage for Flats with Cladding or EWS1 Issues: What Options Exist Now
Mortgage for Flats with Cladding or EWS1 Issues: What Options Exist Now A mortgage for flats with cladding or EWS1...
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Mortgage While on Maternity Leave: How Lenders Assess Income
Mortgage While on Maternity Leave: How Lenders Assess Income A mortgage while on maternity leave is a common concern for...
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Mortgage Options After a Driving Ban or Motoring Offence
Mortgage Options After a Driving Ban or Motoring Offence If you’ve received a motoring offence or driving ban, you might...
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Getting a Mortgage After a Fraud-Related Conviction
Getting a Mortgage After a Fraud-Related Conviction Many people worry that a fraud-related conviction will prevent them from ever being...
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How to Strengthen a Mortgage Application if You Have a Criminal Record
How to Strengthen a Mortgage Application if You Have a Criminal Record Having a criminal record can make some borrowers...
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Why Some Lenders Ask for Additional Information When You Have a Conviction
Why Some Lenders Ask for Additional Information When You Have a Conviction Applying for a mortgage can feel complex enough...
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How Past Convictions Combine With Credit Issues on a Mortgage Application
How Past Convictions Combine With Credit Issues on a Mortgage Application When preparing for a mortgage, borrowers sometimes face more...
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Criminal Convictions and Credit Checks How Lenders Review Your Case
Criminal Convictions and Credit Checks: How Lenders Review Your Case Borrowers with past convictions often worry that their criminal record...
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What Underwriters Look For When You Have a Criminal Record
What Underwriters Look For When You Have a Criminal Record Applying for a mortgage can feel daunting if you have...
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Do Minor Convictions Impact a Mortgage Application?
Do Minor Convictions Impact a Mortgage Application? When applying for a mortgage, it’s natural to wonder whether a past incident—even...
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