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What Can I do if I Have Been Declined for a Mortgage in Bristol?

Mortgage Advice in Bristol For Complex Situations

Every mortgage lender works differently, using various ways of deciding who gets accepted for a mortgage and who unfortunately doesn’t.

Some lenders criteria are more challenging to match up against than others. To succeed, it all depends on how stringent the lender is and, most importantly, how good your credit score is. We have often found that mortgage applications are declined because the customer does not meet the criteria for that particular deal.

This highlight the importance on why it’s always worth ringing up and seeking the right advice from a dedicated mortgage broker in Bristol. Our team of experienced and dependable advisors in Bristol will search the market to find you the most suitable lender for you and your circumstances.

How can I avoid disappointment from a mortgage?

The first thing you should always do is look at your credit file to see whether or not it is of a high standard. If it needs improving, you will need to look at various ways to improve your credit score. Speaking with a knowledgeable mortgage broker in Bristol, to learn what to prioritise when improving your credit score.

Nowadays, very few people are eligible for every available deal on the market. Remember, just because you have seen a cheap and eye-catching deal doesn’t mean that you will pass the lenders’ criteria and qualify for that particular deal.

As mortgage broker in Bristol, we have industry knowledge of all the various types of mortgages available. Get in touch, speak with one of our teams, and benefit from the free initial mortgage consultation that we offer to new / existing customers.

What are other mortgage applicants doing?

A regular occurrence over our years of mortgage advice is customers using price comparison websites to find a mortgage in Bristol. Whilst there may be nothing wrong with this, you need to remember that the price comparison websites can only analyse the different costs of mortgage deals instead of matching you to all the various nuances of a lenders criteria.

This process can end up wasting time, as the mortgage lender may decline your case weeks down the line. Because of this, you may end up losing the property you were hoping to buy or breaking down a property chain that you were a part of.

You may also find yourself getting declined because you picked the wrong mortgage, an act that could damage your credit score due to a failed application.

Accepting Help From a Mortgage Broker in Bristol

It doesn’t matter if you’re a first time buyer in Bristol or looking at moving home in Bristol; we always believe that getting in touch for some expert mortgage advice will help you out during your mortgage process. Our dedicated team will support you throughout your journey and try to find you the most appropriate mortgage deal for your circumstances.

Over the years, we have worked alongside thousands of customers, assisting with specialist mortgage cases to help them find a level of success with mortgages that they otherwise thought they’d never achieve.

By approaching a trusted and dedicated Mortgage Broker in Bristol, you’ll also be able to learn how best to improve your credit score in the event of any unfortunate financial circumstances. If you need help with a Specialist Mortgage situation, get in touch today with a Mortgage Broker in Bristol for your free initial mortgage consultation.

Date Last Edited: December 6, 2023

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