Susan O'Brien - Finance Advice Centre - Mortgage Broker

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Susan O'Brien - Finance Advice Centre - Mortgage Broker

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Susan O'Brien - Finance Advice Centre - Mortgage Broker, Mortgage brokers, Chatsworth House, Prime Business Centre, Raynesway, Derby.

03/12/2025

A CCJ doesn’t automatically stop you from getting a mortgage.

Lenders look at the full picture, including how old the CCJ is, your credit report as a whole, your income, your deposit and the property you’re aiming for.

If you’re unsure where you stand, we can review everything for you and give a clear idea of which lenders may consider your application.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

01/12/2025

New figures show that 1.2 million people expect to be in a position to buy their first home within the next 12 months, with millions more aiming to buy in the next few years.

But the same study highlights that many potential buyers feel unsure about the process, worried about their credit score, or not confident comparing mortgage options. A lot of people hold back simply because they’re not sure what’s possible.

If you’re planning to buy soon or want clarity on where you stand, we can talk you through your options, including routes for those with complex income or past credit issues. Getting the right advice early can make a real difference.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Source: https://tinyurl.com/2apxhne8

28/11/2025

More Than One Default? You May Still Have Options

Having multiple defaults can feel overwhelming, but lenders don’t all view them in the same way.
They’ll look closely at:
• How recent the defaults are
• The amounts involved
• Whether there’s been any further credit issues since
• Whether you’ve spoken to creditors to agree repayments
• How stable your financial situation looks right now

Older, lower-vale defaults are generally seen as less of a risk. If the defaults are over 24 months old and you’ve kept everything else up to date, your options improve significantly.

If any defaults are still outstanding, contacting the creditor to agree a payment plan or settlement can help show future lenders that you’re taking control.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

26/11/2025

Does Settling a Default Improve Your Mortgage Chances?

If you have a default on your credit file, settling it can make a positive difference.
Some lenders prefer defaults to be fully paid before they consider your application. Others will still look at your case even if the default is outstanding, depending on how long ago it was registered.

Settling a default does not remove it from your report, but it does show responsibility and can help reduce the impact on future applications.

If the debt is still open, it’s worth speaking to the creditor to see what repayment or settlement options are available. Being proactive can improve how lenders view your situation.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

24/11/2025

Defaults on Your Credit File? Here’s What They Mean for Your Mortgage Options

A default is more serious than a missed payment, but it doesn’t mean you can’t get a mortgage.
Lenders look at how many defaults you have, how recent they are, the amounts involved, and whether they’ve been settled.

Defaults that are more recent will usually limit your options more than older ones. As defaults age and your recent account conduct improves, specialist lenders tend to take a more flexible view, especially if the amounts are lower and everything else on your credit file has been kept up to date.

If you still owe money on a default, it’s worth speaking to the creditor to discuss repayment or settlement arrangements, as this can sometimes strengthen your application.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

21/11/2025

How Long Does a Missed Payment Affect Your Mortgage Application?

Not all missed payments carry the same weight. Lenders place a lot of focus on how recent the issue was and whether there’s been stable conduct since.
Here’s a simple guide to how lenders typically view missed payments over time:

• Within the last 3 months:
This is the most sensitive period. Many lenders will want the arrears to be fully cleared before considering an application.

• 4 to 6 months ago:
Still classed as very recent. Some specialist lenders may be open to looking at your case, especially if you’ve since maintained clean conduct.

• 6 to 12 months ago:
Options begin to widen. Consistent payments since the slip can make a significant difference.

• 12 to 24 months ago:
Lenders are usually more flexible at this stage. A one-off issue from over a year ago is less likely to limit your choice.

• Over 24 months ago:
Often treated as a historical blip, especially if everything has been kept up to date since.

If you’re still in arrears, it’s important to speak to your current lender or credit provider to set up an arrangement and show that you're taking steps to get things back on track. This can improve how future lenders view your application.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

19/11/2025

Fallen Behind on Your Mortgage? There Are Steps You Can Take

A missed payment doesn’t automatically stop you from getting options. Lenders look at how recent it was, whether it’s a one-off or part of a pattern, and what you’ve done since.

If you're still in arrears, it’s always worth speaking to your current lender to discuss a plan or arrangement. Taking early action shows future lenders that you’re being proactive and responsible.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

17/11/2025

How Missed Payments Affect Your Mortgage Options

Missed payments can stay on your credit file for up to six years, but this doesn’t mean you’re without choices. Some lenders take a more flexible view, especially if the slip is older or you’ve maintained good account conduct since.

If you’re still behind, get in touch with your lender or credit provider to agree a repayment plan. Showing that you’ve handled the issue responsibly can improve your position when applying.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

14/11/2025

Finance Advice Centre Is Recruiting Mortgage Advisors - Join Our Growing Advisor Team!

We’re pleased to share that Finance Advice Centre is expanding our advisor team and we’re looking to connect with motivated Mortgage & Protection Advisors who want more flexibility and control over how they work.

What we offer:

• Whole of market access
• Multiple lead sources to help support your activity and build your pipeline
• Supportive admin and compliance teams
• Freedom to manage your own workload and client relationships
• A collaborative, friendly team culture
• A clear structure designed to help advisers increase their written business at their own pace

You’ll have the independence to work in a way that suits you, with the reassurance of an established team behind you and consistent opportunities to develop.

If you’d like to find out more, send us a message or get in touch with the team today.

13/11/2025

With rents forecast to rise 12% — could it be time to put your money towards your own mortgage instead?

Savills predicts that average rents will rise by 12% over the next five years, with affordability only improving slightly as incomes grow. While the rental market steadies, many tenants could end up paying even more each month without building any equity.

If you’re currently renting, it may be worth exploring whether a mortgage could now be within reach — especially with lenders offering more flexible affordability checks and schemes for those with smaller deposits.

Our advisers can help you compare what you’re paying in rent against what you could be paying on a mortgage and guide you through your options.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Source: https://tinyurl.com/yeydbc7a

10/11/2025

Savills has halved its house price growth predictions, expecting slower rises in 2026 due to higher interest rates and economic uncertainty. But for buyers and movers, this could actually bring opportunity.

With prices growing more gradually and lenders adjusting affordability models, the next 12 months could be an ideal window to review your mortgage options — especially if you’re remortgaging or have been waiting for rates to settle.

Our advisers can help you understand how the latest forecasts and rate changes could affect your affordability, deposit, and future payments.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.
Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Source: https://www.mortgagestrategy.co.uk/news/savills-halves-house-price-growth-predictions/

07/11/2025

Could a Remortgage Help You Clear Your Debts?

If you’ve built up balances on credit cards or personal loans, remortgaging could help you bring them together into one manageable monthly payment, sometimes at a lower rate.

We’ll review your full situation, explain the pros and cons clearly, and help you decide whether it’s the right move for you.

At Finance Advice Centre we are whole of market. This means we can access every deal on the market & will recommend the most suitable one available to you.

Contact us today for your free mortgage consultation.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Address

Chatsworth House, Prime Business Centre, Raynesway
Derby
DE217SR

Website

http://www.financeadvicecentre.co.uk/

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