Having problems getting a Mortgage or Remortgage because of credit problems such as CCJ's, Defaults, Arrears or even an IVA or Bankruptcy? Maybe you are having a problem getting a mortgage because you are self-employed and require self-certification? Perhaps you've been refused elsewhere by a High Street Bank, or a Building Society?
You know, getting a mortgage doesn't have to be a problem! At Shire Direct, we have a wide-range of mortgage plans to accommodate even the most difficult of circumstances, and we believe if we can't help - then nobody else can! So if you're having problems getting a mortgage, sit back, relax and read how we can usually help!
Mortgage Problems: Table of Contents...
In an ideal world, we would all have a steady job, a healthy regular income and no financial worries. However, the reality is that many of us will encounter some form of financial problem along the way, and quite often through no real fault of our own!
The unexpected twists and turns of life can take their toll when it comes to our finances. A family bereavement, marital breakdown or partnership breakdown, redundancy or the incapacity to work because of an of accident or illness can have devastating effects both on a personal level and financially too, and serious credit difficulties can follow all too quickly, such as CCJ's (County Court Judgements), Defaults, Arrears and even Bankruptcy.
Many people who have experienced these types of problems often find they have problems getting a mortgage or remortgage through traditional lending sources such as High Street Banks or Building Societies.
In our experience, we find that most people who find themselves in these circumstances usually have the ability to pay, but find that the door to mortgage and remortgage funding is firmly shut elsewhere because of the problems they have previously experienced.
Happily this is not the case at Shire Direct! Our aim is to have an answer to even the trickiest of problems, and you'll find a warm and non-judgemental welcome awaits you whatever your circumstances and problems!
Here at Shire Direct we have managed to develop a wide-range of mortgage plans from a variety of mortgage lenders in our mortgage lending portfolio to accommodate even the trickiest of circumstances, including:
People often have problems getting a mortgage or remortgage when they are self-employed and can't provide accounts, or because they may have experienced credit problems.
You may also be pleased to know that we can even usually help discharged bankrupts obtain mortgage or remortgage funding!
Some borrowers may need an income stretcher beyond conventional income multipliers in order to achieve the required level of funding. Although we can often consider higher income multipliers, it really is very important that the level of borrowings is not only affordable, but also sustainable if you were to suffer a loss of income for any reason. This could be as a result of job-loss or reduction in income from overtime, bonus etc.
So you must consider how would you cope in the event of these circumstances - you may be able to protect against incapacity to work as a result of accident, sickness or unemployment (ASU) with suitable insurance, but you must remember failure to make your mortgage repayments could result in your home being repossessed. This is why you should talk to Shire Direct. Our advisors are all professionally qualified, and we'll make sure your circumstances, aspirations and needs are all fully explored, and we'll then work with you to provide the most suitable solution for you!
Whatever your problems, and whatever the reasons, we'll carefully look at your specific circumstances and come up with the most appropriate solution for you! We don't make impersonal judgements based on computer credit scoring systems!
So, if you think you may have, or indeed have had problems getting a mortgage because of credit difficulties or other circumstances, why not get in touch with us - you've nothing to lose by talking to us, and everything to gain!
Why not give us a call today on Freephone 08000 282 281, our lines are open from 8am until 10pm everyday (including Saturdays and Sundays), our professionally qualified mortgage advisors await you with a friendly welcome and will be delighted to assist in any way they can.
Alternatively, you may prefer to enquire online at any time - it's quick and easy to do, and is naturally without obligation. In either instance we assure you of a rapid in-principle decision, backed up with a friendly and professional service.
We are confident that you'll find us to be friendly as well as professional, helpful and accommodating. We're not judgemental, and we look for reasons to accept your business and provide you with an appropriate and suitable mortgage solution. So why not get in touch, we'd love to hear from you!
Shire Direct and Shire Direct Mortgages are trading styles of Shire Processing Centre Limited which is
Authorised and regulated by the Financial Services Authority in respect of regulated mortgage products and general insurances.
Registered No: 302389. Commercial funding and Secured Loans are not regulated by the FSA.
Licensed Credit Brokers. Consumer Credit Licence Number: 349999.
Shire Processing Centre Limited is registered under the provisions of the Data Protection Act by the Information Commissioners Office: Registration No: Z6795249. Registered in England & Wales. Company number: 2732202. Telephone calls may be recorded for training, monitoring and security purposes. All applicants must be aged 18-years or over.
