Repayment Methods

Stuart Brown Mortgage & Insurance Broker

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Borrowing More on Mortgages

Require advice on borrowing more on mortgages?

Lending limits are carefully set to protect both the lender and the borrower. If you are sure your income will increase, like a guaranteed pay rise, a lender may take this into consideration.

A family member may be able to act as a guarantor, which means they will agree to repay the mortgage if you are unable to do so. As stated elsewhere within this website, these notes should only be used as an initial guide.

We would strongly encourage you to contact us before you find a property so that we can give you specific advice and make sure that you are looking for a property that is realistically within the scope of what is affordable given your individual circumstances. There is nothing worse than setting your heart on the property of your dreams only to find that buying it is unaffordable for one reason or another!

We are here as your local mortgage advisors to provide you with the information you need to know on borrowing more money on mortgages or additional borrowing on mortgages. So please get in touch.

Self Certification – (No Proof Of Income)

Self-certification of income was banned by the Financial Conduct Authority and is no longer available.

Adverse Credit

If your credit history is less than perfect, there are still some lenders that will consider lending. Of course, it will depend upon the extent of the problems and you should obtain your credit file so that we can see what the issues are.

We will talk through the options available to you, whether it’s possible to borrow more on a mortgage and what your options might be if you are worried about your credit history or credit score.

There could be several options that might allow additional borrowing on a mortgage if that’s what you are looking for. Please contact us to discuss further.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up the repayments on your mortgage.

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