Welcome to Meridian Mortgage Solutions
The Specialist Mortgage Broker Team

Everyone has a credit report, and it can usually be found with the bigger credit reference agencies of Experian and Equifax. Lenders will use this information to work out your credit score and ultimately whether they want to lend to you.  Here at Meridian we specialise in trying to help everyone obtain a mortgage regardless of their credit score.

But what do you do if that score is not perfect?

Well, here is the good news, there are many high street and specialist lenders that show flexibility in their lending criteria. They are just as interested in your ability to pay in the future as they are in any issues that you may have had in the past. With access to these lenders, we can quickly tell you whether you meet their criteria, and even obtain you an agreement in principle that you can use.

Can I get a mortgage with a low credit score?

Matching your credit file with a lenders criteria is what we do. Many borrowers often give up their search when the first few lenders say no. It’s not always because they cannot be helped, its just that they may be speaking to the wrong ones.

Checking your eligibility with us will not only give you the confidence that a lender will say YES, but means that you have protected your credit file from a lender declining you for other lenders to see.

 

Speak to us if you have any of these on your credit file...

  • Late payments
  • Missed payments
  • Defaulted credit account
  • Country Court Judgement (CCJ)
  • Debt Management Plan (DMP)

It is not always because you have missed a financial commitment that your score is low. Some clients find that a lack of a credit history means that their score isn’t high if they haven’t previously used credit.

Also speak to us if your credit file shows any history of...

  • Recent and multiple credit searches
  • New accounts being opened
  • Recent financial activity such as an application for credit
  • Incorrect information held or not showing on the electoral roll
  • Your address history showing incorrectly

Many of these events can, and do, influence a new lender and whether they will offer you a mortgage. We will work with you to make sure we are speaking to the right lenders for the best chance of getting you accepted.

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

How It Works

Follow our 3 simple steps to get the most suitable mortgage to meet your circumstances.

Enquiry

Complete our quick and simple 30 second enquiry form.

Search

We understand your situation and search the market for a deal for you.

Complete

We work together to submit your application and quickly complete the mortgage.

Your Details

Mortgage Advice

What We Do

Whether you are needing a mortgage now, or are just planning for your future options, we can help. We never mind discussing your future plans as getting things in place ahead of time is always going to make things run smoother when the time comes to need our help. Everyone has questions and we expect over the years we have almost been asked them all. We never mind taking time to make sure you understand the whole process as ultimately that makes our job easier.

Mortgages

There are many types of mortgages that are designed to cover the different borrowers and schemes that exist. Often the choice is daunting though the best one for you will become obvious when we speak.

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Protection

Getting the mortgage is half the battle. Making sure you and your family can stay there should the unforeseen happen is why we also advise on protection products.

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How We Can Help You

  • Are You a Homeowner Looking to Raise Extra Money?

    Not looking to move house but you would like to look at some options for raising some money then get in touch. We have helped customers release money from their property for home improvements or to consolidate more expensive debt such as credit cards and loans. In fact, if it is for legal reasons, we can help.

    Think carefully before securing other debts against your home. Consolidating debt may reduce your outgoings now, but you may end up paying more overall. Your home may be repossessed if you do not keep up repayments on your mortgage.

    Contact Us to Find Out More

  • Is Your Current Deal Coming to an End?

    Gone are the days when you could confidently stay with a lender for 25 years and feel that you were getting the cheapest rate for your circumstances. Speak to us when your current deal is coming to an end so that we can help you save money…..we will even tell you if staying with your current lender is the best for you and your money.

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  • Are You Ready for a Mortgage?

    If this is your first time of needing a mortgage you are probably a bit daunted by the whole process. With our help we can make sure that your finances are in the best shape before you make an application. We will help you calculate how much you can borrow and speak to some lenders on your behalf to make sure you meet their criteria. And if you are not, we will have a plan to make sure you know what still needs to be done.

    Contact Us to Find Out More

  • Is Your Credit File Less Than Perfect?

    Not everyone has an excellent credit score. In fact, many of us don’t have a perfect 999 score with Experian. Here is the good news, many lenders have criteria that is flexible to this situation. It is our job to help match you to one of them. If you have an old default, CCJ, missed payment or been subject to a debt management programme then speak to us. We can research which lenders may consider each of these situations. Remember – your ability to repay in the future is often more important than an issue that you have experienced in the past.

    Contact Us to Find Out More

  • Your Mortgage Call

    Are you ready to find a mortgage now? Let us book a call to talk about your mortgage needs and to discover how together we can sort you some options. And remember, even if you are not quite there, we are still happy to discuss your plans with you. Looking at things now like your income, affordability and credit score will give you a head start when you do need us.

    Contact Us to Find Out More

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