Mortgage Declined?

Turn a declined mortgage into your dream home reality.

Encountered a mortgage refusal due to late payments, overdrafts, a negative credit score – even had a mortgage declined after an agreement in principle? Don’t give up!

The Mortgage Heroes are experienced brokers that can help you find the right mortgage.

Mortgage application declined?

Don’t panic! We can help you.

There could be a number of reasons why you have had your mortgage application denied: adverse credit, type of employment, type of property or simply just can’t quite borrow enough. Whatever the reason, we’ve reviewed all types of declined mortgages and reasons for being refused before and can help.

Call 01275 405 050 today or complete your details online to speak to a hero!

Your home may be repossessed if you do not keep up repayments on your mortgage.

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A mortgage broker for declined mortgages

Had your mortgage application refused? Don’t give up!

We can still help you find an ideal mortgage to suit your circumstances.

As whole of market mortgage brokers, we are able to help you find the deal and lender that is most suitable for you – even if you’ve been previously declined a mortgage.

With access to thousands of mortgages from across the market, there is a strong chance that one of these lenders will be able to help you. We have direct access to the bank’s underwriters – meaning we can speak to them and put your case forward in the strongest light.

Reasons for having your mortgage refused

Your mortgage could get turned down at various points, whether during the initial application or after submitting an offer. The reasons behind it will impact the stage at which the rejection occurs.

The main causes for a mortgage application to be rejected can include property type, non-standard income, poor credit history or borrowing capacity, amongst others. Once we have a good understanding of your situation, we can discuss the reasons you may have been refused and work to find the most suitable mortgage for you.

Mortgage application declined after agreement in principle?

What to do if you’ve had a mortgage declined after an AIP

If your application is rejected after an agreement in principle, it likely means that a lender has uncovered something within your credit file that has compromised your application.

We understand that setbacks happen, and a previous mortgage rejection – even after an agreement in principle – doesn’t mean the end of your journey. We can speak to the lender to understand why this has happened, and work with you to correct this before applying again.

At The Mortgage Heroes, we specialise in providing solutions for those who have faced challenges securing a mortgage in the past. Not being approved for a mortgage doesn’t mean you won’t qualify in the future, so don’t worry! Whether you’ve been declined after receiving a mortgage in principle or rejected at a later stage in the application process – we can still help you get a mortgage.

While being refused may pose a challenge in the home-buying journey, all is not lost. We can help!

Our heroes are ready.

We specialise in helping people who have had their mortgage application refused or declined.

Get in touch

Our heroes are ready, day or night. Whether you’ve had an application for your first mortgage declined or refused for remortgaging, we can help and guide you through the process. We’ll aim to get things moving within just a few hours!

Find the right mortgage

The Mortgage Heroes will research the whole market to find the most suitable mortgage, regardless of your circumstances or why you were refused. We will talk you through the process and let you know what things cost and what we’ll need to help you apply, no matter why you may have had your mortgage application refused before. We do the legwork!

Job done. Hurray!

From declined, to approved! Once we have everything in place, we will guide you through to the finish line. Following that, we will proactively look to support you in the future to ensure you have the most suitable mortgage in place.

Heroes now.

And in the future.

Our experienced team at The Mortgage Heroes are passionate about ensuring our clients succeed in getting the most suitable mortgage for them, to assist with a declined mortgage application both now and in any future applications.
We will be in touch once your agreement is coming to an end and look at the options available to you.

How did the heroes help you?

What can I say other than marvellous! The Mortgage Heroes went above and beyond to make it possible for me to buy my home at what was a very difficult time. Their knowledge of the mortgage system and who to approach was first class and it really did pay to leave it to the experts! I can’t thank the team enough if honest; as my options were very limited so needed a quick solution – and they found it!

Have you seen the outcome you were hoping for?

Yes, we overcame the hurdles and we’re now in our new home!

Don’t give up!

We can help you get a mortgage!

We’re expert mortgage brokers with years of experience helping applicants access finance – even those in difficult or unusual situations. Whatever your background, whether you’re self-employed or a first time buyer, we can help you figure out the next steps to take. It’ll be move in day in no time at all!

Frequently Asked Questions

Things you should know about getting a mortgage after being declined.

This could be for a number of reasons. The main ones would be property type, impaired credit, non-standard income or just borrowing capacity.

Yes, this is fine. We would advise speaking to us first to avoid you running multiple credit checks. Let our knowledge find you the right lender.

Yes, this can affect your score and chances of being approved for a mortgage if running multiple credit checks. Speak to us today so we can decide which lenders are best suited to your situation before running credit checks.

We’re ready to be your hero.

Get an answer

Take a look at the usual questions we help with

Ask us anything

Have a question not covered by our FAQs? Contact a hero!