Mortgage advice for straightforward and more complicated circumstances
Whether you are buying your first home, moving, remortgaging or purchasing a new-build property, EHF Mortgages can help you understand your options and find a mortgage suited to your circumstances.
We have particular experience helping people whose applications may need more careful consideration, including applicants who are self-employed, have complex income, have experienced credit problems or have already been declined by their bank.
A bank saying no does not necessarily mean that every lender will reach the same decision.
Different lenders use different affordability calculations, income rules and credit criteria. We can review your circumstances, explain what may have caused the problem and identify lenders whose criteria may be a better fit.
Book a no-obligation 30-minute call
Some mortgage applications do not fit neatly into an automated form.
This does not automatically mean that a mortgage is unavailable.
Complex income
Your income may include bonuses, commission, overtime, contract work, multiple jobs, dividends, retained company profit or income from several different sources.
We can assess how different lenders may treat your income and identify those whose criteria are better suited to the way you earn.
Explore Complex Income Mortgages
Self-employed applicants
Being self-employed should not prevent you from obtaining a mortgage, but lenders can assess accounts, salary, dividends and trading history differently.
We help sole traders, company directors, contractors and business owners present their income clearly and approach suitable lenders.
Explore Self-Employed Mortgages
Bad credit
Missed payments, defaults, county court judgments, debt management plans and other credit problems can reduce your choice of lenders, but specialist mortgage options may still be available.
The details matter, including what happened, how long ago it occurred, the amount involved and how your finances have been managed since.
Has your bank said no?
A declined application can be disappointing, but it is not always the end of your mortgage plans. Your bank may only assess you against its own lending rules and products.
Before making another application, we can review the likely reason for the decline and consider whether another lender may take a different view.
Book a no-obligation 30-minute call
Choose the option that most closely matches your plans. Each page explains how that type of mortgage works, what lenders may consider and how EHF Mortgages can help.
Buying your first home can involve unfamiliar terminology, affordability checks, deposit requirements and legal stages. We can help you understand the process, establish a realistic budget and find an appropriate mortgage. Click Here.
If you are selling your current home and buying another, we can help you review your existing mortgage, available equity, additional borrowing requirements and alternative mortgage options. Click Here.
You may be approaching the end of your current deal, looking to reduce your payments, change your mortgage terms, consolidate borrowing or release equity. We can compare your current lender’s options with suitable alternatives. Click Here.
New-build purchases can involve reservation deadlines, developer timescales and mortgage offers that must remain valid until completion. We can help coordinate the mortgage around the requirements of your purchase. Click Here.
We help sole traders, contractors, partners and company directors find lenders that understand different business structures and methods of drawing income. Click Here.
If your current mortgage is portable, you may be able to transfer it to a new property. Porting still involves a fresh affordability assessment, and any additional borrowing may be arranged on different terms. Click Here.
We help applicants whose earnings include bonuses, commission, overtime, contract income, multiple jobs, dividends or other income sources that may not be treated consistently by every lender. Click Here.
Shared ownership can provide another route into home ownership by allowing you to purchase a percentage of a property and pay rent on the remaining share. We can explain the mortgage and affordability requirements involved. Click Here.
We consider options from a wide range of lenders, including specialist providers that may use more flexible or individual underwriting.
Our experience helps us identify potential problems before an application is submitted and find lenders whose criteria more closely match your circumstances.
We explain your options in plain English, including the likely costs, requirements and practical differences between suitable mortgage products.
We can help with your initial affordability assessment, decision in principle, full mortgage application and communication with the lender through to the mortgage offer and completion.
Let me help you find the right one.
Now is always a good time to talk about your Mortgage. Expert planning and support will give you the piece of mind you are looking for.
Our Mortgage Advisers will work directly with you, supported by industry experts to ensure you are well looked after during the mortgage process, reviewing your protection needs, and we can even help with your Will requirements.
Being a Directly Authorised Broker firm allows us greater freedom to use lenders large and small; High Street mortgage lenders you will recognise, plus smaller specialist lenders with unique schemes and bespoke underwriting opportunities.
Having access to almost every UK Mortgage lender doesn’t need to be expensive either. We keep our overheads low and pass on those savings to our clients. Our borrowers know they will save more than any fees we charge, and nothing is paid upfront – we only charge once the mortgage has been offered.
A great place to start – we offer a 30-minute free consultation to all potential clients to discuss your needs without any obligation.
Now is a great time to start your mortgage journey with EHF Mortgages.
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