Mortgage Haven UK, 11/34 Western Harbour Midway, Edinburgh (2026)

03/09/2026

The Truth About Trust Deed's

We are seeing more and more clients coming to us involved with Trust Deed's so we thought it was worth putting out a new post with some detail around how a Trust Deed impacts your mortgage plans.

Trust Deed's are one of the most serious credit issues we come across within mortgage lender criteria. They are looked at similarly to bankruptcy and IVA's, a fact that many people are not aware of.

Now, Trust Deeds can be useful for many people to address financial issues but if you are looking to buy a property in future there are a number of things to be aware of.

It 'may impact your credit score'..?
A Trust Deed will have a massive impact on your credit score.. and for longer than you would think.

It's going to drop off my credit report...
In a way once you are 6 years past registration dates, you could see this drop off... but it is still there in the eyes of financial institutions until 6 years Discharged, so it takes longer than many people think to disappear.

Can you get a mortgage in a Trust Deed & do you need a bigger deposit..?
You need to first be discharged from a Trust Deed before looking at options, but even then you will find yourself with only one or two lenders - and most likely with a larger deposit required (at least 20-25%).

After one year discharged, you will have a few more lenders possibly..

We then have a larger panel of lenders who consider you after 3 years discharged, possibly with less of a deposit requirement.

Finally, after 6 years discharged you will have more lenders again - this is where the more mainstream lenders can come into consideration.

A point to consider - if you are in a Trust Deed for 6 years, then it will be 12 years until you will have access to more mainstream, high street lenders.

Please note this is only considering just having a Trust Deed in place, if you have further credit issues such as defaults or CCJ's these would also need to be taken into consideration.

**** This post is not to be taken as advice, please seek professional advice. ****

31/08/2026

What does AI say about Mortgage Haven UK?

At Mortgage Haven UK we are very technology focused and forward thinking where that technology can help us and our clients. Many of our new client enquiries actually come through Chat GPT and similar websites.

But what does AI actually say about us...?
✅ Patience & Professionalism
✅ Support First Time Buyers
✅ Support clients on a VISA
✅ Responsiveness & efficient communication
✅ Tailored, reassuring advice
✅ Dedicated client app (which is an amazing tool our clients love)

We have built in so much technology and automation into our service to our clients to make what we do accessible and simple for our clients, but fundamentally it all comes down to the personal relationships and advice bespoke to each client we work with.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

30/08/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Calvin & Lia for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

29/08/2026

Your Deposit & Things to Consider?

We do find as mortgage brokers the importance of the deposit and make up of that deposit can sometimes be underestimated by potential buyers.

Organising your deposit –
Having your deposit organised, understanding costs for the likes of solicitors and calculating any bonuses from Help to Buy or Lifetime ISA accounts are key considerations. You may have funds to draw down from trading accounts or Premium Bond accounts?

Receiving a gift? –
The origins of that deposit can be so important as different lenders have different criteria – some only allow the most immediate family such as parents, where some extend that to aunties and uncles etc..

Most lenders do not accept gifts from friends, but some do – there is typically very specific criteria around this particular type of gift so it is important you keep your mortgage adviser informed from the start of the process.

Funds from overseas? –
You may have savings or receiving a gift from a family member not in the UK. There can be additional financial costs to this due to additional checks. This can also take longer to organise for your solicitors due to these additional checks and procedures. Some lenders also do not accept funds from certain countries or regions.

Where you deposit comes from in general is an important consideration and critical information to be provided to your mortgage adviser from the outset to ensure your adviser can pre-empt any potential issues or hurdles.

Do not underestimate!!

**** This post is not to be taken as advice, please seek professional advice. ****

28/08/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Destiny for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

30/07/2026

❔️ When should you remortgage?

We get asked all the time – when is the best time to remortgage?

Most residential mortgage holders will be on some sort of fixed rate mortgage deal which means towards the end of that deal you will need to look at your options to avoid falling onto the usually much higher Standard Variable Rate (SVR).

Depending on the situation there can be different options…

In theory, we can begin to look at mortgage options around 6 months in advance of your deal expiring. This would allow you to lock in a new deal as soon as possible which may be more suitable if you are concerned about future rate rises or if you are currently with a more specialist lender (and possibly now qualify for a more mainstream lender) and you would like to sort out the next steps as soon as possible.

The drawback of looking at securing your new deal 6 months in advance is we cannot usually take your current lender into consideration, so you are not able to look at all of your options - this is because most lenders allow just a 3 month window to lock in a new deal with them.

If your circumstances are more straightforward you may look to wait until 3 months before your deal expires to allow a full assessment of all your options including your current lender.

There is not a one-sized fits all solution to when to your remortgage and when to proceed – it is always important to receive advice around this to know the best course of action for your circumstances.

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

**** This post is not to be taken as advice, please seek professional advice. ****

28/07/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Arturas for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

08/07/2026

💒 Buying a property and getting married!

If you are getting married you may also look to buy your first property together as well, whether that be around the same time or some time either side of your big day.

With that in mind we have collaborated with DML Events Management to cover some key considerations around doing both within a period of time to help ensure you have the correct plans in place to set you up for the future.

The first consideration is the timing – both buying a property and getting married can be stressful situations for most. Do you look to buy a property around the same time as your wedding day or do you plan to buy before or after you tie the knot? Receiving the correct advice and having the right professionals working for you is crucial to ensure a smooth and as stress free a process as possible.

The next consideration is the figures – what is your wedding budget and how does that impact your deposit for buying a property? Setting your wedding goals and budget with your wedding planner is a key consideration which can tie in with your property plans – knowing your budget for your deposit will have an impact on what you can buy and eventually your monthly budget for your mortgage. Receiving advice from a mortgage adviser and knowing your options in advance can be an important part of your future plans.

Finally, we look at your other joint financial plans. It may be the correct time to look at your wider financial requirements. This could be financial protection such as life insurance or more in depth needs in terms of pensions and investments.

*** This post is not to be taken as advice, please seek the correct advice from a professional adviser for your own circumstances ***

07/07/2026

❗️Know your options BEFORE you make an offer…

We have had a few recent examples where clients have came to us later in the process where they have submitted an online decision in principle with their bank thinking they could get a mortgage but did not know to take certain lender criteria into consideration…

Example 1️⃣ –
Client had multiple sources of income including some Universal Credit which included a Housing Benefit element (which mortgage lenders tend not to consider). Our client when completing the online decision in principle based on using 100% of their income, including the Housing Benefit. When it came to full application and their documents assessed by an underwriter, the bank then offered them a lower mortgage which was not suitable as they did not have the additional deposit to cover the difference.

At this point they approached us and while we were able to get a higher mortgage amount with a different lender, it was still not sufficient and they needed to pull out of the purchase.

Example 2️⃣ –
Client had a decision in principle in place before having an offer accepted on a Shared Ownership property. In Scotland we only have a few lenders who support lending on these types of purchases, the lender the client had the decision with was not one of those…

This client had a mild credit issue but this took them out of criteria for the available lenders. This client came to us to find a solution but due to the restrictions there was not a solution to purchase this particular property.

➡️ Both examples are situations where we would have been able to plan more specifically the clients would have had a better end result and have more realistic options before going out to find a property. Mortgage lenders all assess a clients situation and income differently, especially if it is more complex or you have multiple sources.

Planning properly before offering on a property is crucial! Appointing a mortgage adviser should really be your first task if you are looking to buy a property.

03/07/2026

⭐⭐⭐⭐⭐ Client Reviews

Thank you Gavin for leaving us this review.

Have you been declined by your bank? Declined by a broker?

Get in touch with us and see how we can help!

www.mortgagehavenuk.co.uk
0131 202 7630

Mortgage Haven UK

03/09/2026

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