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We are Lightbulb Lending, your trusted mortgage broker in Basildon. Don’t let financial challenges stop you from applying for a mortgage – a mortgage broker in Basildon can guide you through the process. Whether you have an IVA, DMP or no credit history, a mortgage broker in Basildon can make your homeownership goals a reality. Contact us today for your FREE consultation.
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When you’re struggling to manage and repay your debts, arranging a DMP may be the answer. A DMP agreement with a charity or organisation is an agreement to pay your creditors based on your affordability. Having a DMP doesn’t mean that you can’t obtain a mortgage – particularly when you seek the support of a knowledgeable mortgage broker in Basildon.
Need a mortgage broker in Basildon? Learn more about DMP Mortgages…
You may wish to arrange an IVA to help manage your debts at a rate that suits your financial situation. If repaying these debts becomes impossible, you might need to file for bankruptcy to relieve your obligations. While securing a mortgage with an IVA or bankruptcy on your file can be a challenge, it is possible with the guidance of an experienced mortgage broker in Basildon.
Need a mortgage broker in Basildon? Learn more about IVA or Bankruptcy Mortgages…
Having no credit history can make obtaining a mortgage difficult, but not impossible. Entrusting a mortgage broker in Basildon, such as Lightbulb Lending, is the solution. We understand the criteria that lenders use, making us the right mortgage broker in Basildon for the job. Let our Basildon mortgage brokers make your homeownership goals a reality.
Need a mortgage broker in Basildon? Learn more about No Credit Mortgages…
Have you missed payments on a credit agreement or failed to repay a debt? If so, you may have a default or a CCJ on your credit file. While these defaults and CCJs might limit your options with some lenders, they don’t stop your chances of getting a mortgage. As your Basildon mortgage broker, we specialise in helping you secure a mortgage even if you have a default or CCJ on your credit file.
Need a mortgage broker in Basildon? Learn more about Default or CCJ Mortgages…
Yes, it is possible to get a mortgage with a DMP, especially if you have been making consistent payments for at least 12 months.
A mortgage broker in Basildon will recommend waiting at least 12 months after starting a DMP before applying for a mortgage.
Yes, it is possible to get a mortgage if you are in an IVA. A higher deposit will likely be required and only certain lenders will consider your application.
The longer the IVA has been settled, the better. Typically, after 12 months, the deposit requirement may decrease, and more lenders may be willing to consider your application.
Yes, you can apply for a mortgage after being discharged from bankruptcy for at least 9-12 months.
Yes, it is entirely possible to get a mortgage with no credit history. A mortgage broker in Basildon can provide guidance and advice.
Typically, a minimum deposit of 10% is required, but a larger deposit may improve your chances of approval.
Yes, it is possible to get a mortgage with a default. You can rely on Lightbulb Lending to identify the lenders most likely to approve your mortgage application, despite these challenges.
Defaults and CCJs remain on your credit file for six years, although a CCJ can be removed if paid within 30 days of the judgement.
Yes, there are several steps you can take, such as registering on the electoral roll and paying bills on time.
The process can take several weeks, depending on the complexity of your application and the lender’s requirements.
The most important thing is not to be discouraged. As your mortgage broker in Basildon, we will explore other lenders who may be more suited to your financial situation.
We have years of expertise in mortgage solutions for clients with impaired credit, including Debt Management Plans.
We never want to add to your money worries, so we offer FREE consultations and obligation-free quotes.
We work to understand your circumstances, ensuring we match you with the right lender.
We believe that everyone should have the chance to own their dream home. If financial difficulties have you worried about getting a mortgage, contact a mortgage broker in Basildon today – we’re here to help.
Finding the right mortgage is key to managing your finances and achieving your homeownership goals, whether you’re a first-time buyer or remortgaging.
North Fambridge, Essex, CM3 6FS
Finding the right mortgage is key to managing your finances and achieving your homeownership goals, whether you’re a first-time buyer or remortgaging.
Lightbulb Lending is a trading style of Simply Lending Solutions Limited Registered in England & Wales. Company No 09676170.
Simply Lending Solutions Limited, registered address: Barn 12, Runwell Hall Farm Hoe Lane Rettendon Common Chelmsford Essex CM3 8DQ. Authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 745164 at https://register.fca.org.uk/. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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