UK mortgage lenders - working out which one is best.

From large high street lenders to smaller building societies, UK wide, there are dozens of mortgage lenders offering hundreds of different deals. With so much choice it can be difficult to decide who to contact and who to choose.

Do you neatly tick high street lenders boxes – have a good credit score, clean lending history, good income, good deposit/equity level, low outgoings and little in the way of debt? If that’s the case, then your kind of business will prove very popular with high street lenders.

If your circumstances are less conventional – if you’re self-employed, have bad debt, have a low deposit or low income, then you’ll need more bespoke and individual underwriting. The best route at this point is to go to a smaller lender, as they are often more willing to view each mortgage application on an individual and case-by-case basis.

When trying to work out which lender is most likely to view your application in a favourable light, the best advice is to seek out individual help from an independent, impartial and fully qualified mortgage adviser.

By talking to an expert, you can ensure that you end up applying to a lender whose criteria you fit. Each lender has different requirements, and it can be a daunting task to work out exactly what these are. Applying on your own means risking rejection, and once one lender has said no it’ll be difficult to find a lender willing to say yes straight after.

You can increase your chances of mortgage success by choosing the right lender from the outset, which is where contracting the services of independent ‘whole of market’ mortgage broker Deal Direct makes sense.

Why contact us for advice?

At Deal Direct we are independent and ‘whole of market’ and unlike those who use a limited panel of lenders, we have access to ALL lenders deals market-wide. Our advice is based solely on your needs, we only recommend products that are in your best interest.

• We are whole-of-market which includes secured loans and further advances.
• We have access to lenders mortgage ‘specials’, which are products that are only available to homeowners through certain brokers.
• We have spent years developing excellent relationships with UK lenders and have extensive market knowledge.
• We provide a free internal credit score, and with this information, we can recommend how you can improve your rating. 
• We continue to provide you with regular email and text updates, to ensure that you are kept up to date with mortgage market information and rate movements.

You can make an online search via our website 24/7 by just clicking the button, you can send us an email and we will quickly get back to you, or you can call us on 0800 048 8828 and speak directly to an adviser. 

For advice and a quote call us today.

 0800 048 8828