Mortgage Frequently Asked Questions (FAQs)

What if I've been refused credit elsewhere?
Because we look at each case individually, it doesn't matter. If you're self-employed or if you have had any past credit problems, we can still help you. Even if you have had mortgage arrears, CCJs, no proof of income or a poor credit rating.

How quickly can I get a decision?
We make a lending decision ‘in principle’ within minutes, often subject only to valuation.

I am self-employed and have no accounts, so can you help?
Yes we can. There are lenders that will lend to self-employed people like you with no accounts, up to a maximum of 90% loan to value.

I am employed but can’t prove all of my income – is this a problem?
We can help you as there are several Lenders we can access who will lend 90% loan to value.

I have a poor credit history, so can I still get a mortgage?
Yes you can. We have access to lenders who will lend you up to 90% no matter how many County Court Judgments or Defaults you may have, satisfied or not.

I am currently in arrears with my mortgage, so can I still remortgage and sort myself out?
Yes you can.

Do you charge up-front consultancy fees?
No we never charge upfront consultancy fees. You only pay a fee once you have a formal mortgage offer as we only get paid on results.

Can I borrow extra on my mortgage to cover things like paying off loans or buying a new car?
Normally this is OK, so please call one of our advisers for help.

I’ve had problems with getting a mortgage in the past so can you help?
Many people have had problems at some time, so you are not alone. Call us and we will show you how we can help.

Do you offer an impartial service?
Yes, as we are independent of any Lender. We are free to consider the most suitable mortgage to fit your requirements, from our panel of lenders.

Why choose First Mortgage Solutions?
You will have a dedicated adviser helping you, from the time that you call to the time that you complete. They are qualified to give mortgage advice. We will keep you informed at all stages of the mortgage process.

What if my question is not here?
Please email your question to us at info@first-mortgage-solutions.co.uk and we'll try to help.