Most lenders will not lend you if you’ve recently converted to a LTD company and do not have at least 1 year trading accounts / SA302. But if you’ve accounts for at least one year trading as a sole trader and turned down for a mortgage just because you’ve recently converted to a LTD company, we’ve lenders on our panel, which can consider you offering a mortgage.
If you need help in this situation feel free to contact us on 02080909386 or email us using the comment box below.
This could be one of the unfortunate situations you can come across when buying a property because many lenders do not lend on a property if vender (person selling a property) does not own the property for a certain period for example six months.
It will be worth asking your estate agent once you’re offer is accepted that how long the vendor owned this property. In case vendor is selling the property that is owned by him/her for less than 12 months, you must inform your mortgage adviser so he/she can check with the mortgage lender.
If you need help in this situation feel free to contact us on 02080909386 or email us using the comment box below.
It’s surprising but correct that most lenders do not lend if you’re buying / remortgaging a property next door to a property that you already own.
If you’re having a difficult time in this sort of situation to get a mortgage, we might be able to help you.
Give us a call on 02080909386 or send us the email using the comment box below.
Most lenders do not do remortgage on a property, which you bought cash or using bridging finance within the last six months (day 1 remortgage).
If you’re struggling to do remortgage on your recent purchase, we can help. Give us a call on 02080909386 or email us using the comment box below.
Getting a mortgage on a house, which converted into two flats is not easy because most lenders tend to stay away in this sort of situation.
There could be different scenarios such as:
1. House split into 2 flats and you need a mortgage on the whole property.
2. House split into 2 flats where the leaseholder/freeholder are the same.
3. House split into 2 flats but no separate leases currently exist, but will exist by completion.
4. House split into 2 flats – one flat has a lease with owner/occupier in residence, but the other is rented out but has no lease and freeholder wants to remortgage this flat, but no lease will exist moving forward, and it therefore looks like a freehold flat.
If you need help in these scenarios we can help, please feel free to call us on 02080909386 to discuss your personal situation or send us the email using the comment box below.
If you’re living and working in the UK and have working visa such as Tier 1 or Tier, there are lenders out there who can consider offering you a mortgage if you’ll fulfill all other lending requirements. Feel free to leave a comment below to ask if you need more information.
Many people think that they can’t get a mortgage if they have a CCJ. In reality it depends on the number of CCJ’s, amount, date registered and satisfied or not. For example, there is a lender who ignore a CCJ if registered more than 24 months ago and another lender who accepts 1 CCJ registered within 24 months ago based on the CCJ amount.
In short if you’ve a CCJ or default it’s worth speaking to a mortgage adviser to find out your options. You can do so by calling us on 02080909386 or by sending us email.
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Rana at Mortgage Minds was very efficient throughout the mortgage process from start to finish. He managed to source mortgages for my dream home and was always at hand whenever I had any questions. He showed professionalism at all times and kept me abreast of what was happening with my applications. I would thoroughly recommend Rana to anyone looking to apply for a mortgage. 
- Extremely Trustworthy and Prompt Service - Expert Advice and Recommendations.
I will highly recommend Mortgage Minds.
- Rana Shahbaz Khan at Mortgage Minds is a very honest and reliable mortgage adviser with expert knowledge. Excellent services. Quick and efficient. Identified any potential issues before submitting application hence expedited application process. Kept us up to date at all time. Promptly replied to our queries. Will reccomend to all my friends and family.
- I switched to Mortgage Minds on a recommendation from a friend after a couple of bad experiences with my previous broker and am glad I did so !! Rana is very efficient and always takes time out to discuss my needs and gives advice accordingly.
I can highly recommend Mortgage Minds and Rana is very much on the ball and offers a reliable professional service with the minimum of fuss.
- Great service - fast and friendly with the best products. Couldn't recommend more!
- Rana at Mortgage Minds was very efficient throughout the mortgage process from start to finish. He managed to source mortgages for my dream home and was always at hand whenever I had any questions. He showed professionalism at all times and kept me abreast of what was happening with my applications. I would thoroughly recommend Rana to anyone looking to apply for a mortgage.
- I am extremely satisfied with the mortgage advice provided by Rana. He is very approachable , understanding & competent. I definitely recommend him.
- Great personalised service. They will thoroughly look at all your requirements to ensure you are getting the best possible deal on the market at the time. Would highly recommend.
- Excellent professionalism. Highly recommended.
I was given various sort of mortgage options, not just the usual routine searches. All queries dealt in with appropriate responses from solicitors, estate agents and bank. All my questions were answered in simple language and replied to emails promptly.
- Rana, with his expert knowledge, was on hand to guide me through every step of my mortgage application. All queries were dealt with in a friendly, professional and timely manner. Great customer service throughout. I would not hesitate in recommending Rana and Mortgage Minds to anyone looking for finance.
