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If you’re looking for a reliable and experienced mortgage broker in Braintree, you’ve found the answer. At Lightbulb Lending, we are a mortgage broker in Braintree specialising in helping those with financial difficulties achieve a mortgage. DMPs, IVAs, bankruptcy and more shouldn’t stop you from getting your dream home. Contact our mortgage broker in Braintree today!
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When managing and repaying your debts feels overwhelming, you can apply for a DMP. A DMP is an arrangement made between you and a charity or organisation to repay your debts based on what you can afford. A DMP doesn’t make securing a mortgage impossible, particularly with the support of our experienced mortgage brokers in Braintree.
Need a mortgage broker in Braintree? Learn more about DMP Mortgages…
If you wish to manage your debts in line with your financial circumstances, you may arrange an IVA. However, if repayments become unmanageable, you may need to file for bankruptcy. In these circumstances, a successful mortgage application may become difficult, but not impossible. You can rely on the support of our mortgage broker in Braintree.
Need a mortgage broker in Braintree? Learn more about IVA or Bankruptcy Mortgages…
Do you want to apply for a mortgage with no credit history? If so, then a mortgage broker in Braintree, such as Lightbulb Lending, can help. We can guide you through the process, assessing your circumstances and partnering you with the right lender. We are the best mortgage broker in Braintree to help you achieve your homeownership goals.
Need a mortgage broker in Braintree? Learn more about No Credit Mortgages…
If you miss payments or fail to pay your debts, you may face defaults or a County Court Judgement (CCJ) on your credit history. Although these can impact your mortgage options with some lenders, they don’t necessarily make your application unsuccessful. As your reliable mortgage broker in Braintree, we specialise in helping you find mortgage solutions even if you have a default or CCJ.
Need a mortgage broker in Braintree? 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 Braintree 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 Braintree 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 Braintree, 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 Braintree 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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