Can I get a mortgage?

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A lender’s decision of whether to grant a mortgage or not is based on many factors and understanding them all can be a complex process. In this post, we deal with some of the most common questions around whether you will be able to secure a mortgage and try to provide some advice on how best to address any concerns you or the lender may have about the process.

Can I get a mortgage with no deposit?

Yes you can, but be aware that there may be elements to 100% mortgages you will need to think carefully about. Some require a guarantee from a family member, for example, secured against your property.

Can I get a mortgage with no credit history?

Even if you think you will have no credit history it is possible that you might have some stored on your file, so the first step here is to find out for certain and get access to your credit file. If you have limited history, you can still get a mortgage but lenders may ask you for a higher deposit, to reduce the loan they are advancing you.

Can I get a mortgage if I’m elderly?

Mortgages for people over 55 used to be difficult to get and for those over 65 very rare indeed. That has changed now. Many banks will sell specific mortgages to people later in life and there are alternatives like Equity Release to consider as a funding option.

Can I get a mortgage if I am self employed?

This is a very possible scenario… it just needs a lot of planning and a lot of paperwork! Banks want to be certain of your current and expected income before they will advance you a loan for a property. As in many situations, a big deposit can help but the main thing is structure evidence: make sure you can show them everything that they need to know.

Can I get a mortgage if I have bad debts?

Yes. Some specific lenders can be sympathetic to your situation, rather than just noting the entry on your credit file and turning you down outright. Again, having good evidence of current income and a high deposit can help but this is another scenario where it is very possible to find you a good mortgage.


We have vast experience in all of the above scenarios, so if any of these situations sound like you, we can help to point you in the direction of lenders that can help, discuss your options and then settle on a mortgage that suits you. If you’d like to work with someone who understands what you’re facing, then get in touch and we’ll be delighted to talk through your initial options.

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

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