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Why UK Mortgages Are Now So Hard To Obtain
Written by Dave Joa   
Thursday, 24 July 2008 05:27
Unfortunately the effect of the Credit Crunch now means that many previously available Bad Credit Mortgages (sub-prime) have been withdrawn from the market by many of the big mortgage companies.
by DaveJoa


Unfortunately the effect of the Credit Crunch now means that many previously available Bad Credit Mortgages (sub-prime) have been withdrawn from the market by many of the big mortgage companies.

In the last few months radical changes in the mortgage marketplace in the UK have had a big impact on what is currently available to those looking for a new mortgage.

Anyone hoping to get a remortage or new mortgage deal currently in the UK should be aware of the following facts.

If you know you are going to need a mortgage then make sure that you start the process well before the date on which you require the money.

Recent recommendations suggest that you should start looking at least 3 months in advance because of the fact that the right mortgage or remortgage is now much harder to find.

Some companies will still be advertising attractive interest rates but be aware that these may not be obtainable unless you have extremely good credit. If you have a lower than good credit score or rating you are unlikely to find that you can get these rates.

Also be aware that you may have to pay quite a large arrangement fee to get the best rates!

If you are a first time buyer then you will have to put down a much large deposit on your new home than use to be normal and when calculating what you can afford the income multiple used will not be anywhere near as attractive as in the past.

Always calculate what you can really afford before you make any mortgage applications.

Anyone with an existing mortgage that includes a special deal or rate that is about to come to an end should get some mortgage advice to find out what deals are now available to replace it.

This factor is especially relevant to individuals who have mortgages with a high loan to value ratio.

You should get professional advice on what is currently still available from a ortgage broker as they know the whole mortgage marketplace better than anyone.

If you need or want a Buy To Let mortgage or remortgage then do your sums carefully to ensure that your income from rents will cover mortgage or remortgage repayments and your landlord expenses as well, otherwise you may find that the new stricter criteria for mortgages lending will prevent you from getting what you want.

You also need to check your credit status to make sure that your credit score is as high as it can be as it is now only too easy to get rejected from many mortgage applications.

If anything is wrong on your credit report it may affect your chances of getting that mortgage deal.

You can now get instant online access to each of your three credit reports at the major credit reference agencies in the UK and these are all free for a trial of 30 days.

So take this opportunity and signup for a Free Credit Report and then check it and fix and problems you find before you apply for mortgages.

Get a free credit report from each credit reference agency and fix the problems on each one as when you apply for a mortgage or remortgage you cannot predict which agency will be used for your credit check.

To ensure that all bases are covered and that any issue on any credit report is resolved you will have to get free access to all three credit reports.

About the Author:

Dave Joa recommends that you always check your credit reports before applying for a mortgage, loan and new credit, including top credit cards and the best way to do this is by getting a Free UK Credit Report from each credit agency in the UK.
 

Stephen Meyer

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