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Our Approach to a complex mortgage enquiry

February 13, 2019

We have seen all types of complex mortgage enquiry over the years and we are never surprised as our clients reflect the diverse UK mortgage market and of course our clients are just like you.

Often clients with low or credit impaired credit history’s feel that getting the mortgage deal they deserve is never going to happen for them, at Total Home Loans Ltd feel strongly this need not be the case.

The all-important credit score can leave some clients feeling anxious or even excluded from credit and Total Home Loans Ltd prides itself on doing our level best to make sure our clients find it useful to contact us as we have extensive experience in the area of adverse credit lending and nonstandard mortgages.

Within a short period we can tell you what is possible in the market place today enabling you to move forward with confidence that we are on your side all the way from the initial call to moving into your new home.

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Since the dramatic shake up in the UK mortgage market over the ten years in the recession of ten years ago. At Total Home Loans we have noticed that lenders will increasingly have a dialogue with brokers and often it is the broker’s skill to present the applicant in a way the lender wants and this is the art of modern brokerage.

Total Home loans ltd can be a useful ally when it comes to knowing which lenders to approach and on what terms. Remember there are several specialist lenders who exclusively deal with brokers.

We talk to many clients who are discharged bankrupts, have CCJ’s, limited accounts, IVA’s and even mortgage arrears. We will provide expert, professional advice on any and all enquiries. We will take an individual approach and provide full advice and recommendation on your mortgage.

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Important Information

We do NOT charge any upfront cost. We may charge a typical fee of up to 2% of the amount of the loan for arranging a mortgage.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Total Home Loans Limited is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited is entered on the FCA Register ( under reference 476653

Total Home Loans Ltd: Registered in England & Wales, No. 06436412. Registered Address: 470 Holdenhurst Road, Bournemouth, BH8 9AQ.

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