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Terms and Conditions

Last updated: January 16, 2023

Please read these Terms of Use (“Terms”, “Terms of Use”) carefully before using the https://helpinghandmortgages.co.uk website (the “Service”) operated by Helping Hand Mortgages (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Helping Hand Mortgages.

Helping Hand Mortgages has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Helping Hand Mortgages shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of United Kingdom without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us

If you have any questions about these Terms, please contact us.

Regulations

Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.

Helping Hand Mortgages is entered on the FCA register under reference 988645 and Companies House reference 14513883.

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Company registered address: Unit 14 Beech Avenue Business Park, Taverham, Norwich NR8 6HW

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Regulations

Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.

Helping Hand Mortgages Ltd is entered on the FCA register under reference 988645

Our Pages

Follow Us On Our Socials

Facebook-f Icon-instagram-1 Twitter Google

Regulations

Helping Hand Mortgages Ltd is an appointed representative of MCB Financial Services who is authorised and regulated by the FCA.

 

Helping Hand Mortgages Ltd is entered on the FCA register under reference 988645

Follow Us On Our Socials

Facebook-f Icon-instagram-1 Twitter Google

Our Pages

Designed & Hosted By WrightTech

Pay Day Loans

Yes, you can still get a mortgage if you have had Pay Day Loans in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

 High Street Lenders do not mortgage like to see pay day loans on a credit file or bank statement as indicates to them of financial difficulties in the past or currently as short term finance to manage current repayments.

It will depend on certain criteria based on the Pay Day Loans showing as registered such as:

When the loan taken out
How much was borrowed
How many loans taken out
How quickly they were paid off
The story behind why you needed to take the loans
*Please note when you click through to checkmyfile, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust.

*Please note when you click through to checkmyfile, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust.

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Low or No Credit Score

Yes, you can still get a mortgage if you have a low credit score or no credit score. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

High Street lenders are dealing with a high volume of cases each day so will credit score each application and if you do not meet that credit score then will decline the application on that basis alone. It is a computer says no situation with no appeal.

We will check with lenders who manually check your credit file so not dealing with a computer to find the best solution for you.

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Repossession

Yes, you can still get a mortgage if you have been Repossessed in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

It will depend on certain criteria based on the Repossession such as:

The date you were repossessed
The reason why you were repossessed
Any other credit issues
You credit history since being repossessed

Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.

Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

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Late & Missed Payments

Yes, you can still get a mortgage if you have had late and/or missed payments on credit. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.

Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

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IVA

Yes, you can still get a mortgage if you have been in an IVA in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

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Debt Management Plans

Yes you can still get a mortgage if you have a Debt Management Plan or been in one in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

With a Debt Management Plan you would be in an arrangement via a company like StepChange and be paying a lower amount to the people you owe over a longer period of time. This can affect your credit file as the people you owe money to will normally report it as an arrangement on your credit file, in some circumstances it may be reported as a Default.

Even if you are withing a Debt Management Plan there are specialist lenders who will still lend to you based on the payment history of the plan.

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Bankruptcy

Yes you can still get a mortgage if you have been bankrupt in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

 

We would need to understand the reasons that led the Bankruptcy, how long ago it was and the impact that had on your credit file.

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Defaults

You can still get a mortgage with a Default. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

Some of these lenders will ignore small Default’s if registered by a mobile phone company or other communication companies.

It will depend on certain criteria based on the Default’s showing as registered such as:

When they were registered
If satisfied or unsatisfied
The value of the Defaults
The number of Defaults
The story behind the circumstances

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CCJ's

You can still get a mortgage with a CCJ. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

It will depend on certain criteria based on the CCJ’s showing as registered such as:

When they were registered

If satisfied or unsatisfied

The value of the CCJ’s

The number of CCJ’s

The story behind the circumstances

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Terms and Conditions