Worried a “credit blip” will stop you getting a mortgage?

The cost-of-living crisis and inflationary pressures has put pressure on people’s finances.

And made it harder for people to get on the housing ladder due to affordability constraints and more people having a less than perfect credit history.

How important is your credit history for mortgage lenders?

Looking into your credit history is one of the ways in which a mortgage lender will gain information on how reliable you have been at paying back debts and loans in the past. A mortgage lender needs to be confident that you’ll be able to keep up with your repayments across the whole lifetime of the loan.

What if your credit history isn’t perfect?

Don’t worry, if your credit history isn’t perfect, you’re not alone! Many people experience minor setbacks in their credit history at some point. Such as missing a credit card payment, neglecting to pay utility bills on time, or going into an unarranged overdraft. These types of “credit blips” can leave a mark on your credit history but this doesn’t mean you aren’t eligible for a mortgage.

Specialist mortgage support

An expert adviser can assess your financial situation, including your credit history, guide you through the application process and increase your chances of getting approved for a mortgage by finding the most suitable mortgage deal for your circumstances.

We have access to lenders who specialise in working with people with varying credit, whether you’ve had late payments, past debts, or no credit history at all, there are options available for you.

Don’t let a credit blip throw you off track! Get in touch today.

Call Errol on 0333 772 1551 or drop them an email on info@mortgage-broker-services.co.uk

YOUR HOME MAY BE REPOSSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 08/04/2024.

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Excellent

5.0

Nazey Gulsen

Errol was amazing and really helped guide us with obtaining a let to buy mortgage and a residential mortgage on our second home. He took the time to explain everything very clearly to us and was available whenever we needed to talk. We felt like we were in good hands throughout our mortgage application and we couldn’t have done it without him! We are over the moon and would definitely be recommending him to our friends and family and hopefully if we ever do need mortgage advice we definitely will be keeping in touch!

MJ Design & Building

I am very happy and 100% satisfied with Earl. I highly recommend.

Derrick Martin

Or mortgage was processed by Errol Hall. He offered a great service as our case was not straight forward and required expertise and patience

Tony Diamond

I am using mortgage broker services to re mortgage one of my buy let properties.Errol has been outstanding from the start.Highly recommend their services.Tony Diamond

John Antoniou

From start to finish 5 star service. Errol came highly recommended from a good friend of mine who used his services. I found Errol to be very knowledgeable and polite, he updated me regularly, my mortgage application was seamless, from application to mortgage offer in under 7 days, wow, thank you

Riza

Erol is next level! He helped us in getting not only a mortgage within a few days but also changing our current flat to a buy-to-let with ease! Would highly recommend him! Thank you so much once again

Carol Martin

Excellent!

Beverley Jones (UK)

As a first time buyer I was really nervous and uncertain around the complicated process of sorting out a the best mortgage options. I did my own research initially using search engines and then contacted Errol to see if he could improve on the options I’d found. He certainly could, and not only that but he was super helpful and fast to respond every time I reached out. As I was buying during a real boom period I asked him for mortgage offers for multiple properties changing price / deposit amounts and shared ownership options, durations and he even managed to get me a mortgage in principle for a very complicated old building, having personally researched the rules around and the different parts of the property and return this to me within 48hrs which was very impressive. He was patient, informative and a calming influence. I don’t think I’d have moved forward to purchase without his support! Highly recommended.

Cee Jay

I approached Mortgage broker Services for help with a buy to let remortgage. Errol was informative, impartial, and knowledgeable in his products and offerings. I received the outcome that I was hoping for and a perfect service from start to finish.

Steve L

Errol has professionally advised me and my family and friends on 6 mortgages over 4 years. 5 star service would strongly recommend

Isabella Hannah

Excellent service!!Errol has been an excellent mortgage broker. He has guided us all the way through the process, even to finding a suitable solicitor. Great communication and fast service. He found us a great rate even at really turbulent time. I’d definitely recommend.

George Production

Errol was recommended to me by a colleague at work. From start to finish he has dealt with everything with great professionalism. I will be recommending his services to any friends, family and colleagues who are looking to buy a property. Errol is a credit to Mortgage Broker Services ...

Komal B

Errol is my go to man for anything financially related. He is very efficient and gets things moving very quickly. He also tells you how it is so you don't waste time exploring avenues that are not suitable for you.

Carol Parillon

The best broker I have ever worked with. Give you sound advice and really finds the best product for you. He makes the mortgage process so seamless. The only broker I would recommend every day of the week. Huge thanks for your services.

Kelsey Layton

Errol always provides an outstanding serviceHighly recommended to anyone and everyone will only ever use Errol whenever I need help with my finances.Thanks again for all your help.

Jennifer McBride

I have used Errol Hall as my broker for several years now. He has dealt with complex staircasing mortgages, as well as re-mortgages and always finds me the best deals on the market. I've also used his recommendations for conveyancing and surveys. He always explains the process clearly and puts me at ease.I've recommended Errol to several friends and colleagues who have been equally happy with his services.Thanks Errol!

bobby sokhi

I can’t recommend Errol enough, he’s worked really hard to accommodate. I will and have recommended Errol to my family and friends. Thank you

Louise

Reviews and Ratings for Financial adviser Errol Hall, Enfield

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Mortgage Broker Services is a trading name of Thomas Oliver UK LLP which is an appointed representative of The Openwork Partnership, a trading style of Openwork Ltd which is authorised and regulated by the Financial Conduct Authority

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Most buy to let mortgages are not regulated by the Financial Conduct Authority

Approved by the Openwork Partnership on 30/09/2024

Worried a “credit blip” will stop you getting a mortgage?

The cost-of-living crisis and inflationary pressures has put pressure on people’s finances.

How important is your credit history for mortgage lenders?

What if your credit history isn’t perfect?

Specialist mortgage support

Here’s how financial protection can offer security for parents

Worried a “credit blip” will stop you getting a mortgage?

I’m over 50 and want to apply for a mortgage

Useful Links

Contact Details

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