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When you need a mortgage broker in Billericay, you can rely on Lightbulb Lending. Don’t let financial challenges stand in the way of securing a mortgage. A mortgage broker in Billericay, such as us, will support you every step of the way. Whether you have a DMP, or CCJ or are even facing bankruptcy, a mortgage broker in Billericay can transform your homeownership dreams into reality.
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Does managing and repaying your debts feel overwhelming? If so, a Debt Management Plan (DMP) might be the solution for you. A DMP is an arrangement made between you and a charity or organisation to repay your debts based on what you can afford. Having a DMP doesn’t mean a mortgage is out of reach, particularly when you work with expert mortgage brokers in Billericay.
Need a mortgage broker in Billericay? Learn more about DMP Mortgages…
An IVA can be a crucial tool for managing your debts in line with your financial circumstances. If repaying these debts becomes unmanageable, filing for bankruptcy might be necessary to ease your financial burden. While getting a mortgage with an IVA or bankruptcy on your credit file is a challenge, applications can be successful with the support of an expert mortgage broker in Billericay.
Need a mortgage broker in Billericay? Learn more about IVA or Bankruptcy Mortgages…
Although securing a mortgage without any credit history can be challenging, it’s not completely out of your reach. Choosing to work with an experienced mortgage broker in Billericay, like Lightbulb Lending, can make all the difference. We’re familiar with the lending criteria, making us the best partner in helping you achieve your homeownership goals.
Need a mortgage broker in Billericay? Learn more about No Credit Mortgages…
Missed payments or unpaid debts can result in defaults or County Court Judgements (CCJs) on your credit file. While these can impact your options with some lenders, they don’t completely stop your chances of getting a mortgage. As your trusted mortgage broker in Billericay, we specialise in helping you find mortgage solutions even if you have a default or CCJ.
Need a mortgage broker in Billericay? 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 Billericay 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 Billericay 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 Billericay, 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 concerned about securing a mortgage, contact a mortgage broker in Billericay 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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