A significant number of people have difficulties obtaining a mortgage from the 'High Street Lenders'. However, even if you fall into that category there are other lenders and other mortgages available.

It may cost a little more than the "prime" lenders' rates depending on your circumstances, but frequently it costs no more than a regular high street mortgage.

Note: The overall cost for comparison is 7.8% APR.  The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

There is nothing unusual about this - an ever-increasing number of people, at some time in their lives, will experience financial problems. In 2006, more than 130,000 mortgage borrowers had more than 3 months' mortgage arrears, 91,195 repossession orders were made (over 20,000 homes were actually repossessed), 715,000 County Court Judgements and 73,500 bankruptcies were registered (source: Department for Constitutional Affairs County Court Statisics 2006).

It's not our job to make judgements - we are here to help you.