Since the start of the recession, an increasing number of people have found they’ve been turned down for a mortgage. However times are changing and as we slowly move out of the credit crisis, more lenders are starting to expand their criteria, looking at all different types of applicants - so now might be the time to try again.

Here at Southside Mortgages we have some great competitive products available including a 95% Loan to Value (LTV) residential mortgage. This means that you may only need a relatively small deposit to obtain your mortgage. We also have access to lenders which specialise in “near prime” products, so even if you have been declined by the high street banks, we may still have the answer. These lenders will look at your application on an individual basis rather than basing this solely on your credit score.

And if you are looking to take advantage of lower house prices and invest in buy-to-let properties, we could help! We now offer buy-to-let mortgages up to 85% LTV, and have access to lenders that consider first time landlords.

We provide whole of market advice right through the purchase or remortgaging process. We look at your affordability, how much you want to borrow, your deposit and your circumstances to find the most competitive deal available for you.

Don’t forget that all mortgages should be adequately covered against sickness or premature death. We can assist you with all these areas, to ensure that your mortgage and lifestyle would be fully protected in these events.