Guides
The guides, grouped by what is holding you back
Every guide is free to read and written in plain English. Start with the situation that sounds most like yours.
Credit
CCJs, defaults, missed payments and low scores, and how specialist lenders view them.
Income
Self-employed, contract and complex income, and the paperwork that helps.
Property
Non-standard construction, cladding, short leases and the homes lenders find awkward.
Deposit
Low-deposit routes, shared ownership, gifted deposits and family support.
Practical
What to do after a decline, arrears, selling a difficult home and how brokers are paid.
Mortgage declined after an agreement in principle
Why an agreement in principle can still be declined at full underwriting, the usual causes, and the specific next step for each one.
Selling a property that is hard to sell or mortgage
The routes for a property that is hard to sell or mortgage, from open market and auction to cash buyers and bridging, with honest timelines and trade-offs.
Mortgage arrears and staying in your home
What to do if you are behind on your mortgage or stuck on a high rate, the protections you have, and the free help available before things escalate.
How mortgage brokers get paid
How brokers earn from procuration fees and broker fees, what fee-free really means, and the questions that tell you whether a broker is right for you.
Free situation check
Not sure where you stand?
Answer a few plain questions about your credit, income or property. In about a minute you will see what the market usually looks like for people in your situation, and the routes worth exploring next.
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