Carly Ashburner Mortgage Adviser

05/01/2025

𝗜’𝘃𝗲 𝗯𝗲𝗲𝗻 𝗱𝗲𝗰𝗹𝗶𝗻𝗲𝗱 𝗳𝗼𝗿 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲, 𝘄𝗶𝗹𝗹 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝗰𝗰𝗲𝗽𝘁 𝗺𝗲?

There are lots of reasons why you may be declined for a mortgage, but as long as you seek advice, you can get approval next time.

A mortgage declined usually means you don’t meet all the lender’s criteria. We’re here to match you up with a lender that has the right product for you.

Find out more: https://firstthoughtfinancial.com/bad-credit-mortgage/why-mortgages-can-be-declined/

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

30/05/2024

If you are looking for mortgage advice contact me.

𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘀𝗼𝗺𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 𝘁𝗵𝗮𝘁 𝗱𝗲𝘁𝗲𝗿𝗺𝗶𝗻𝗲 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗯𝗼𝗿𝗿𝗼𝘄 𝗼𝗻 𝗮 𝗳𝗶𝘅𝗲𝗱-𝘁𝗲𝗿𝗺 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁?

It’s closely based on your current contract and you are getting paid consistently each month. Lenders may use your hourly rate or your day rate to work out a typical annual income figure for you. They use this to calculate how much to lend you.

Find out more about how we can help here https://firstthoughtfinancial.com/contractor-mortgages/fixed-term-employment-mortgage-contract/

01/04/2024

Contact me today for any mortgage advice.

Buying a home in Watford? Let First Thought Financial Services take the stress out of moving. As a local broker we can

👉find competitive mortgage deals
👉manage your mortgage application
👉chase up solicitors, agents, and more

Find out more about how we help https://firstthoughtfinancial.com/about-us/mortgage-broker-watford/

19/01/2024

Another happy client

If you need a mortgage please contact me at

[email protected]

03/01/2024

If you are looking for a mortgage contact me today.

Five- and 10-year fixed-rate remortgage offers announced as lenders big and small reduce rates

08/12/2023

Self-Employed and looking for a Mortgage - How can a Mortgage Advisor help with the documentation needed?

Mortgage Advisors know what documents you will need to have prepared and can guide you through all of the processes. 📎

No matter what type of Self-Employed you are, Sole Trader, Limited Company, partnership or any other type, we have the expertise to be able to find the right mortgage for you.

Speak to me to find out how I could help you

08/12/2023

Self-Employed and looking for a Mortgage - How can a Mortgage Advisor help with the documentation needed?

Mortgage Advisors know what documents you will need to have prepared and can guide you through all of the processes. 📎

No matter what type of Self-Employed you are, Sole Trader, Limited Company, partnership or any other type, we have the expertise to be able to find the right mortgage for you.

Speak to me to find out how I could help you

Looking to apply for a Self-Employed mortgage and not sure what documents you need to prepare. Contact your broker today to save you time

01/12/2023

𝗛𝗼𝘄 𝗰𝗮𝗻 𝗜 𝗯𝗼𝗼𝘀𝘁 𝗺𝘆 𝗰𝗵𝗮𝗻𝗰𝗲𝘀 𝗼𝗳 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲? 🤔

Ensure that your credit rating is good. If you have a good rating it shows that you can handle your finances and that you are reliable. Improve your credit score by:

👉🏽 Closing any unused credit cards or accounts
👉🏽 Keeping up with monthly outgoings
👉🏽 Ensure you know what finances are in your name
👉🏽 Manage your debt by paying any off that you owe

You will need to prove that any person(s) on the mortgage can make the monthly repayments.

24/11/2023

𝗜𝗳 𝗜 𝗵𝗮𝘃𝗲 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗱𝗲𝗳𝗮𝘂𝗹𝘁𝘀 𝗼𝗻 𝗺𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝗳𝗶𝗹𝗲, 𝗰𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?📂

There are lenders who will consider applications from applicants with bad credit, however, as criteria vary between lenders, it’s impossible to say without knowing what type of payment you have defaulted on, whether it is satisfied and how long ago it was issued.🧾

Contact me to find out how I can help.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

24/11/2023

𝗜𝗳 𝗜 𝗵𝗮𝘃𝗲 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗱𝗲𝗳𝗮𝘂𝗹𝘁𝘀 𝗼𝗻 𝗺𝘆 𝗰𝗿𝗲𝗱𝗶𝘁 𝗳𝗶𝗹𝗲, 𝗰𝗮𝗻 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?📂

There are lenders who will consider applications from applicants with bad credit, however, as criteria vary between lenders, it’s impossible to say without knowing what type of payment you have defaulted on, whether it is satisfied and how long ago it was issued.🧾

Contact me to find out how I can help.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

It’s possible to obtain a bad credit mortgage if you have defaults or similar credit issues. Lenders that offer bad credit mortgages usually consider when the default was registered and why, to form a more accurate perspective of your financial responsibility.