OWN YOUR HOME

Are you spending thousands on rent when all you want is to own your own home? Struggling to get a traditional mortgage? Self-employed without the books you need, or is your credit rating poor? Are you considered too young or too old for a traditional mortgage? Then get in touch as Residential Property Solutions has various solutions to help you get on the property ladder without the need for a traditional mortgage or huge deposits.

 Most mortgage companies ask for 3 years accounts to prove your income. The books also need to show that you are personally earning enough to be able to "afford" the mortgage. Even when you have the funds available mortgages may still not be available.  

 Your credit file could stop you getting a mortgage. For example, CCJs, defaults, bankruptcy but also things like proving your address, not having needed credit before, not being on the electoral role etc. But you still have options available to own a home. 

Mortgage lenders have made it even harder to get a mortgage and credit files, income status, age, proof of address is essential to get a mortgage. Once you go through those hoops you tend to need a 20-25% deposit which can take years to build. We have a solution.