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Hi,
Unsure if this is the right place, but have just had a mortgage declined and now in desperate need of help.
Highlights are £50k deposit from sale of current home and looking to borrow a further £150k
Been declined by own bank as a couple of old defaults.
Unsure where to turn, are we looking at losing the property or paying stupidly high rates
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Hi, thanks for getting in contact.
It would most certainly come down to the finer details however based on the deposit you have I would expect there to be a solution.
Based on the information you've provided I would be surprised if rates were unreasonably high and whilst getting the mortgage is important, first and foremost it's got to be affordable.
If you're able to get a copy of your credit file from a main agency such as Experian, Equifax or Check my file we would gladly assess this in more detail for you.
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The score itself will not be a deciding factor in whether you are approved or not so try not to stress about that.
Based on the dates provided I do believe there will be a solution for you though which is great news!
If you're able to save the Experian report as a PDF and email it to myself at [email protected] I would happily assess your options and come back to you before close of business today.
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