Product Support . [3] An IVA is recorded on the Individual Insolvency Register which credit reference agencies use to update your credit file. For example, customers with County Court Judgments (CCJs) against their name, Individual Voluntary Arrangements (IVAs) or bankruptcy. Jolene Hanson- Academy Mortgage. Look for a broker who has good relationships with IVA mortgage lenders, like we do. Navy Federal Credit Union. Please complete the online enquiry form on this page or alternatively call me on (020) 7903 2044. It will do so six years after your IVA was agreed or upon completion if your IVA takes longer than six years. Can an IVA prevent you from becoming a first-time buyer? Suppose you’re currently renting and considering. Specialties: Business Services‚ Car Loans‚ Checking‚ Credit Cards‚ Home Equity‚ Investments‚ Mortgages‚ Personal Loans‚ Savings & CDs. Your first step should be to find a mortgage broker who specialises in bad credit as this will boost your chances of approval and landing a good deal. They will ask the right questions to help understand your circumstances and identify a specialist lender for you. Below we. Here we look at different marketing ideas to help you start creating a marketing strategy that works for you and your business. Usually 100%. 00 6 Reviews (0 Recent | ) Direct Mortgage Loans, LLC KEITH DEAN BEVERIDGE NMLS# 697681. 5. IVA/mortgage. 00 3 Reviews (0 Recent | ) Benchmark Mortgage Marlowe Leanne Campos NMLS# 1621669. 5 times an applicant’s income if employed by the NHS. S. L&C broker. Fee charging DMP practitioners usually charge an initial arrangement fee plus a handling charge for each monthly payment they process. 5. 97 87 Reviews (0 Recent |. A lender’s procuration fee varies from one lender to another. Engaging a mortgage broker for a mortgage with IVA. They will take care of all the paperwork and liaise with the bank on your behalf. 98 61 Reviews (0 Recent |. You may get a better deal on a loan by dealing directly. First Rate Mortgage is a mortgage broker company established in 1998. Speak to one of the expert mortgage brokers we work with today by calling us on 0808 189 2301 or making an enquiry online. However, a broker's interests may not be aligned with your own. 11% for a five-year and two-year fixed-rate loan, respectively. 00 10 Reviews (0 Recent | ) Suzanne Marie Murray NMLS# 1328494. That said, it is not straightforward to get a mortgage after an IVA. They have extensive experience dealing with IVAs and know how to get the best results for their clients. 5. 620 for conventional and VA. How can we help? At Get Me My Mortgage we work with experienced mortgage brokers that specialise in bad credit mortgages. Get HSBC Bank Loan Options & Mortgage Rates. Sometimes property values also need to reach a certain threshold, usually over. As previously mentioned, you don’t need a college degree to become a mortgage broker. It also has refinance and reverse mortgage options. If you would prefer to speak to an Expert IVA Mortgage Adviser now, then please call us on 0800 197 0620 for mortgage advice. 61% with 0. The other crucial factor will be the amount you earn. Getting a mortgage. John Aguirre, mortgage broker at Loantown in Davie, Florida, agrees that it's important to find a broker early. These types of mortgages generally have higher fees and interest rates compared to standard mortgages. 00 41 Reviews (0 Recent | ) Elite Lending Services, LLC Paula Kelley NMLS# 252079. PNC – Best For Ease Of Access. Liberty Home Mortgages, LLC, is a mortgage brokerage firm established in 2003 in Atlanta. CMP’s 2021 Top Brokerages report is a testament to the effort and tenacity of the brokerages that rose to the challenge and produced outstanding results across the board last year – emerging. The UK’s largest fee-free mortgage broker; London & Country (L&C) has offices in Bath, London and Newcastle. Coastal Lending Group, LLC Tammy Andrews NMLS# 197860. Need more advice about remortgaging to pay your IVA early? Call 0800 011 4712 or complete the form below. Property zip code. This is where a good broker’s advice is invaluable. Securing the best rate and filing your application: Mortgage brokers often have access to exclusive deals thanks to the deep working relationships they have with lenders. The service provider facilitates various mortgage programs such as conventional, FHA, RHS or USDA, VA, and renovation. It is affiliated with Finance of America, a mortgage banker that offers both standard and customized loan plans. 5. If a borrower can't afford to pay off their debts in full, they can enter into a contract with their lender - known as an individual. ” more. 5. 2 Interest rate may increase per the terms stated in your adjustable rate note. Improve the terms of your mortgage by shopping and comparing several lenders, local and national. A mortgage after an IVA, sometimes referred to as an “IVA mortgage,” is a home loan that you apply for once you have completed your IVA. Optimise your credit rating. co. [1] [2] The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option. 5% to 1% of the loan amount). Can you get a mortgage after an IVA? The longer an IVA has been completed, the more lenders will be willing to potentially provide you with a mortgage. Best Online Lender: Quicken Loans ®️. While it is possible to get a mortgage after an Individual Voluntary Agreement, you will have a smaller choice of lenders, and you can expect to pay a higher interest rate. 5. 00 17 Reviews (0 Recent | ) MortgageRight James E Prince NMLS# 186488. Your own qualified mortgage broker and case manager will support you the whole way. Revolution Mortgage Brokers offer access to loans that aren't advertised on the open market and consult with every client to provide. This focuses on business, commercial and premium client lending. With their knowledge and access to specialist lenders not on the. About Us. 5. Royal Charter Mortgage Nancy Kaiser NMLS# 453708. There are specialist lenders who will consider your application, but this is likely to be an expensive option. states. 5. When you are completing a mortgage application, you are legally obliged to declare an IVA even if your lender doesn’t ask. 6. Access to a range of IVA mortgage lenders; Previous or current IVAs; IVA mortgage advice from 5-star rated brokers; Mortgages with adverse credit; Regulated by the Financial Conduct Authority; Take our straightforward Quiz to discover whether you might qualify for an IVA mortgage. 120+ INVESTORS. The company guides clients who want to buy or refinance a residential property with a wide range of loan options such as VA, FHA, USDA, and HARP loans. Kim Altier is a mortgage broker that helps clients in Tulsa. In a word, yes. We now both have good jobs and are earning a reasonable amount (£60k+ pa between us). The first step to becoming a mortgage broker is to earn at least a high school diploma or GED. CLS works with many specialist mortgage lenders, helping all kinds of applicants achieve a mortgage after an IVA. Our role, as regulator, is to ensure that licensed mortgage brokers and agents follow and meet. Defaults on your credit file. My partner has an IVA started approximately 2 years ago. Below we look at whether getting a mortgage after an IVA is a possibility and how other debt solutions may also affect future lending. Borrowers must meet program qualifications. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. 426 Jackson St. 14 September 2017 at 4:04PM. This is why an advisor can give you a more tailored answer and provide the right guidance based on your circumstances. We have access to a range of mortgage lenders, including those who accept IVAs. Whether you're looking to remortgage or secure a first-time buyer mortgage, our experienced IVA mortgage brokers research deals across a. Working with a mortgage broker or financial advisor who specialises in helping people with past credit problems can also be helpful in finding lenders who are more willing to. A deed of trust (also known as a trust deed) is a document sometimes used in financed real estate transactions, generally instead of a mortgage. What advice do UK mortgage brokers give to applicants with a past IVA? UK mortgage brokers typically offer several pieces of advice to individuals who have had an Individual Voluntary Arrangement (IVA) in the past. Vickery explained that if a customer enters into a bankruptcy in 2013 he will be discharged by 2014 and in 2020 he will be considered by a mortgage lender for secured finance. Your home may be repossessed if you do not keep up repayments on your mortgage. Know if you can get a mortgage after an IVA. Call us on 0808 271 1687. Things to Consider. We'll Scan The Market To Find You The Most. . A lender’s procuration fee varies from one lender to another. New American Funding: Best for low APR. It also carries options like FHA, VA, USDA, and even jumbo loans. 9am–5pm. A bad credit mortgage, sometimes called an adverse credit mortgage, is one that’s targeted at customers with a poor credit history. We can help you find the mortgage that's right for you. 5. Your advisor will receive commissions directly from lenders. 5. Farmers Bank of Kansas City: Best for Online Loan Application. Simply Adverse aren’t a buy to let mortgage broker who handles some bad credit cases. Instantly message the team and keep up to date with your application. This is where a good broker’s advice is invaluable. “We used Lonnie Knob with guaranteed rate here in Grand Junction CO for our home purchase last year. If you own 4 or more buy to let properties or you need additional assistance due to your personal circumstances, please get in touch so we can try to. Based on a 0. Individuals who are successfully awarded the FNS40821 Certificate IV in Finance and Mortgage Broking can apply for Credit Transfer (CT) for the first subject to upgrade and enrol into the FNS50322 Diploma of Finance and Mortgage Broking Management. Mojo Mortgages is an award-winning broker. Best Utah Mortgage Lenders of 2023. Best Mortgage Brokers in Tampa, FL - Heckman Mortgage, Marimark Mortgage, Jordan Vreeland, Aaron Gullion - Riverview Mortgage, Florida Mortgage Firm, Clearwater Mortgage, Ryan Takieddine, 14 Days to Close, Steven Austin - Guaranteed Rate, Christopher White - American Financial NetworkNorthwood Mortgage is a mortgage brokerage based out of Markham, Ontario. 24 October 2013 at 9:48AM. Friday. In short, this is the same as remortgaging but staying with the same lender. We are impartial mortgage broker and finance protection advisers, based in Cheadle. NBKC Bank. Trussle have found one lender (Blue Mountain) who may be a possibility but the adviser has said it will take some leg work and arm twisting from their side. Don't let what you owed in the past impact what you can own in the future. Help to buy ISA – gives a maximum bonus us £3,000 if you save the maximum allowed of £12,000. 9. For help, call 0800 470 3740 to discuss your options with our broker partner Fluent Mortgages. Creditors are never forced to accept your IVA settlement offer. Next steps getting a mortgage with an IVA. Welcome to IVA Mortgage Expert. NBKC Bank. Banks and building societies normally insist on at least a 5% deposit before they. This does depend on how long ago the IVA was, though. Whether you are a first time buyer, looking to move home or want to re-mortgage, Barron Financial Solutions would like to. Explore the user-centric interface and see how mortgage brokers just like you easily access rates from more than 120 investors each day. Our mortgage broker-matching service is 100% free for you to use. Beyond this, there are also some more hidden benefits to working with a specialist mortgage broker. Our firm is dedicated to providing you with the highest levels of service and advice available. If you have an IVA and need a mortgage, it’s often better to speak to a mortgage broker. 15: 30-year fixed: 7. A mortgage broker is a person who can help you look at many lenders to find the best mortgage for your needs. Best Mortgage Lenders in New Orleans, LA - The Crozier Team, Premier Lending, Eustis Mortgage, Reliant Mortgage, Gulf Coast Bank & Mortgage Lending, Navy Federal Credit Union, Absolute Mortgage & Lending, Standard Mortgage, Consultation Mortgages, Paul Karas at Guaranteed Rate. e. The DMP practitioner will then pay your creditors the agreed monthly sum. Fluent Money Ltd (Company No. Generally speaking you will be able to borrow a maximum of 3-4 times your gross annual income. View Iva Young's business profile as Senior Mortgage Broker. Mike Bass NMLS# 1234011. 00 17 Reviews (0 Recent | ) MortgageRight James E Prince NMLS# 186488. 4yIt is a good idea to speak to specialist IVA mortgage advisors,. You can use its brokerage service online or over the phone. g. Purpose of Loan $ Purchase Price $ % Down Payment. You don’t necessarily need an IVA. Neal - regardless that fact you finished the IVA early, it will remain on file for a total of 6 years - even after then you may need to use a broker have a large desposit. sherrybobbins Posts: 8 Forumite. At IVA Mortgage Expert we have helped many ex-IVA clients, either by successfully obtaining a mortgaVA Choice Home Mortgage is a mortgage brokerage firm that helps clients, especially veterans in Virginia Beach, secure home loans. 1) Gold Star Mortgage Financial Group, Corporation Bradford Joseph Ballard NMLS# 314740. You agree to make regular payments to an insolvency practitioner, who will divide. 112 likes. Email : help@ivame. Best Online Lender: Rocket Mortgage. 37% procuration fee, a broker would earn £370 commission for a £100,000 mortgage. First time on the site and first post so very grateful for any help. It also carries options like FHA, VA, USDA, and even jumbo loans. We offer another service that we do charge for – our home-buying service, where we help you sort the property survey, the mortgage, and the legal work together – everything you need if you’re buying a home. If the home costs £150,000, you would borrow £150,000. A mortgage banker will ask for proof of income, credit documentation, proof of assets and information about your debts and liabilities to determine whether you qualify for a mortgage. IVA mortgage . 9am–5pm. There is hope!We have access to an exclusive range of products from specialist lenders some of which you and other Mortgage Brokers may not be aware of. The mortgage broker matches the. Our Mortgage Experts know the specialist lenders who’ll consider you and which ones will offer the most competitive mortgage rates. Annual pension statements, reward letters, P60s. Credit restrictions. The terms of your current IVA may mean you are ineligible to apply for any credit which includes mortgages. They will either lend you the money directly or get the money from. Unlimited sales users for $299. This is where a good broker’s advice is invaluable. 61% with 0. 00 1 Reviews (0 Recent | ) Bayside Mortgage Services, Inc. not sure about shared ownership though but you need to go through a broker. 5. It’s important to be as transparent as possible and include information about any monetary issues and usages of debt. Client Login 01268 294777 Home;. CCJ mortgages or IVA’s. Get in touch, and let’s start your mortgage journey today. It can be more difficult to secure a mortgage after an IVA because having one on your credit report can make lenders view you as a high-risk borrower. A lower LTV makes you a better prospect and less risky for a lender, meaning you’re more likely to get a better interest rate. While you have an IVA on your credit report, you’ll probably struggle to get a mortgage. Mortgage Broker, Financial Services, Credit and Debt Counseling. Talk to Simply Adverse, the adverse credit mortgage specialists about mortgages for: Debt management plans. Our Broker Learning and Development team can help. Properties sold in Iva, SC Recently sold homes in Iva, SC had a median listing home price of $189,900. It offers FHA home loans for first-time and. 00 41 Reviews (0 Recent | ) Elite Lending Services, LLC Paula Kelley NMLS# 252079. As a mortgage broker in Sheffield, we suggest that you take some time to repay a large portion of this debt and then think about applying for a mortgage. IVA mortgages - FAQ The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. The longer it has been since your IVA, the more likely you’ll be able to. I suggest you use a broker, as 3-4 years after completion you need to pick the lender and frame the application well, it may be that an online application gets rejected just because you have ever had an IVA. Deeds of trust transfer the legal title of a. We have based our assessment on their product range, their eligibility criteria for IVAs and other bad-credit events, as well as the. Yes, it is possible to get a mortgage after an IVA. Excluding public holidays. If you pay this as the borrower, it may be part of your closing costs or rolled into the loan amount. The competitiveness — and. Her loan programs include FRM, ARM, FHA, and VA mortgages. Mortgage brokers provide an invaluable service to applicants looking for a loan, whether that's a residential mortgage, as a first-time buyer, or a commercial agreement to finance an extensive development. 5. *max three CCJs in last 36 months, max one in last 12 months. Its officers also process new construction, jumbo, and rural hobby farm home loans. Specialist IVA mortgage broker. A mortgage broker may have better and more access to lenders than you have. Integrations Connect the tools you love with Brokermint. it was over six years ago) and you have worked on rebuilding your. Fast & Friendly Mortgage broker based in Halifax from trusted Mortgage broker team. The terms of your current IVA may mean you are ineligible to apply for any credit which includes mortgages. 2. The stages at which mortgages can be declined are: Mortgage not applied for (bank or broker has told you that you won’t qualify) A decision in principle declined. Firstly, you will no longer have to make ongoing monthly payments. Get mortgage ready - download the MyMAB app - Find out more. Your best bet is to speak to a broker who understands your situation. Subject to credit approval. For example, if you pay £150 per month and have 20 months remaining, you will need to offer close to £3,000 to get the IVA settlement accepted. If you use a specialist lender, the procurations fees are higher due to the extra time to secure the mortgage. With their knowledge and access to specialist lenders not on the high street, they can help guide you through the process. If you have experienced debt problems in. What are the benefits of using a mortgage broker? Mortgage brokers will search the market to find the most suitable mortgage deal on the market for you. Binary option. The answer will depend on your individual circumstances, but an IVA does not automatically exclude you from getting a mortgage. If you have an IVA and need a mortgage, it’s often better to speak to a mortgage broker. We also work with specialist lenders that have helped buyers achieve a mortgage with an IVA. Brokers with experience in adverse credit situations will have existing relationships with many specialist lenders and will understand their criteria and processes. There are many unscrupulous lenders out there who will take advantage of people in financial difficulty. You. new open house 10/15. Discounts can be cancelled or are subject to change at any. org. To be approved for an NMLS license, you must (often) complete 20 hours of pre-licensing training through an approved organization. Search; About Us Blog 1-877-778-4772. Meet experience requirements. Make sure the lender is reputable and has a good track record. We always asses client’s objectives and. Here we’ll cover:Source: Moneyfacts. 4. Her fixed-rate mortgages are available in 10- to 30-year terms. “The loan process and closing was completely seamless and easy. 147 Mike McConnell Ave, is a mobile home, built in 2000, at 1,736 sqft. A mortgage. Mortgage rates declined this week to the lowest level in two months, with the 30-year fixed rate plunging 20 basis points to 7. Speed up hiring of top talents. Mortgage bankers take your loan application, underwrite it, approve it and see you through the closing process. Let’s do this Let’s do this: sign up. gov. 24 October 2013 at 8:54AM. First Community Mortgage Alex Doce NMLS# 13817. For more information on getting a Mortgage after Completed IVA. You may even be able to get a mortgage with a small deposit of around 5% or 10%. An Individual Voluntary Arrangement ( IVA) is an agreement with your creditors to pay all or part of your debts. . 5. We collect our fee from the lender, not you. ; Help Center Browse our library of articles on Brokermint. This will really depend on how long ago the IVA was settled. Neal - regardless that fact you finished the IVA early, it will remain on file for a total of 6 years - even after then you may need to use a broker have a large desposit. Overseas income. 5. Closed. 00 23 Reviews (1 Recent | ) Primary Residential Mortgage, Inc. With hundreds of 5 star client reviews. Apply Simply, Understand Fully. 8 out of 5. If the IVA was settled within the last three to four years, a lender may look for a higher deposit - anything between 15% and 25%. Speaking to us, or any broker, can help you navigate your way through your application. Due to the previous IVA that you have had, many lenders will decline you a mortgage. 5. If you own 4 or more buy to let properties or you need additional assistance due to your personal circumstances, please get in touch so we can try to support. 00 8 Reviews (0 Recent | ) Bay Capital Mortgage Corporation Robert Lee Richard Wheatley, Jr. By understanding the impact of an IVA on your ability to obtain a mortgage and following the strategies outlined in this guide, you can increase your chances of securing a mortgage. Rocket Mortgage: Best for customer service. CALL US NOW 0121 4000 052. FHA Loans. Payam Azadi is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London and is an experts in getting a mortgage for doctors in the UK. by HSBC Bank USA, N. and are only available for properties located in the U. 3% for conventional loans. Engaging a mortgage broker for a mortgage with IVA. Consider reaching out to at least three. BBB Directory of Mortgage Broker near Iva, SC. Stockton Mortgage offers loan options to Lexington residents and the surrounding communities. Rocket Mortgage – Best Online VA Lender. They will outline the advantages and disadvantages of different types of adverse credit events. Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash. 4. Most UK banks will have set rates that don’t budge much. 2. At Teito, our team work with more than 100 lenders to find you the best deal possible on your new mortgage. If you plan to purchase a house with a low credit score, either wait for. My wife and I are looking to buy asap in 2020 and have managed to save up a 10% deposit. See more reviews for this business. I called just mortgage brokers and they were able to find a lender who would work with us. Get the expert mortgage advice you need now and it won't impact your credit history:An Iva is an alternative to bankruptcy which is why many people enter into these agreements. 0) Stella Stoyanova NMLS# 1295417. Customers have access to a variety of loans for first-time home purchases and refinances on existing home loans along with FHA loans, fixed-rate mortgages, jumbo mortgage loans, adjustable. 00 20 Reviews (1 Recent | ) Bay Capital Mortgage Corporation Tolbert Rowe NMLS# 182844. It. View detailed information about property 305 Hamilton St, Iva, SC 29655 including listing details, property photos, open house information, school and neighborhood data, and much more. Vault Mortgage Group is a Los Angeles mortgage banking firm. How to Find a Mortgage Broker. This property is currently available for sale and was listed by WUMLS on Nov 19, 2023. For Sale. After you have been through an IVA it is no different. We’re expert IVA Mortgage brokers helping people that are currently in or have previously been in an IVA. We keep ourselves up-to-date with the latest lending guidelines and can provide accurate advice on your eligibility for a Halifax mortgage. Should you use a specialist Mortgage Broker? Once the record of your IVA has come off your credit. An adverse credit mortgage is a mortgage that is designed for people who have a poor credit history, which can include late payments, CCJs, bankruptcy, repossession, or IVA. Some things don’t always add up, but one thing we’re certain about is that when you have the right expert and lender on your side your chances of mortgage success are much higher. Programs are subject to change. After six years, the IVA credit file record is automatically deleted. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. Optimise your credit rating. Their combined experience of over 50 years in the mortgage and financial services industry means they have an enviable reputation and one which makes them well-placed to find the most suitable mortgage solution for you. We take the time to understand your financial circumstances, goals, and aspirations. On top of all that, some brokers even have exclusive access. However, it may still be possible to explore mortgage options with specialist lenders who cater to individuals with adverse credit histories. , is a Louisville-based mortgage broker. Getting mortgages after an IVA. Mortgage and home equity products are offered in the U. With a large deposit, it means the amount you need to borrow is less, resulting in a lower LTV ratio. 4. However, some smaller banks and. Here are a few things to keep in mind when looking for an IVA mortgage lender: 1. S. After six years, the IVA will have disappeared from your credit history, and you may be able to get a mortgage with a small deposit of 5% or 10%. With a large deposit, it means the amount you need to borrow is less, resulting in a lower LTV ratio. 00 3 Reviews (0 Recent | ) Linda Marie McCormick NMLS# 235137. Most of the time, Bad credit mortgages are for those struggling with poor credit histories. Company No. While most employers of mortgage brokers don't require candidates to have college degrees, candidates often earn an associate or. ” more. 5. Speak to an ams: mortgage broker today. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. Applying for a mortgage. Get a mortgage rate quote for your purchase or refinance. If you have an IVA, lenders may consider whether the arrangement is likely to be completed and any other longer-term effects. The broker saves their client work and. Farmers Bank of Kansas City: Best for Online Loan Application. Email Agent. 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Real Estate • Mortgage Community • Business Consultant Report this post #brokerage #brokers #realestatebrokers #realestateagency #realestateexperts #realestatebrokerIVA mortgage refers to a mortgage application made when you have an IVA on your credit report. Re: 6+ years after start of iva mortgage. Find the right prospects quicklyCan I get a Mortgage after an IVA – If you’ve got a mortgage currently, but are on a high rate – whatever your credit history, you should consider getting some advice on switching. This is because an IVA can impact the lender’s decision and help them decide whether you are likely to make your monthly payments or are at risk of defaulting. Here's a list of seven steps on becoming a mortgage broker: 1. . 5. To get a mortgage with an IVA on your credit file, you should speak to a specialist IVA mortgage broker who has the right experience to help you. Let’s get this out of the way: Habito is 100% free. Frank Raymond Cwalina, II NMLS# 168038. Then sit back and let us do all the hard work. 4. Consider someone who is buying a $500,000 home and wants to get a mortgage for $400,000. The IVA had been running for around 7-8 years and was completed in 2014. Your advisor will receive commissions directly from lenders. Mortgage brokers can specialise in finding mortgages for applicants with all kinds of credit issues. Certified financial planners ( CFPs ), who are professionals that go through lengthy certification and licensing requirements, can work on their own and still provide high-quality services to. 4. Don’t be dazzled by headline interest rates offered on the internet – certain assumptions are made that may not apply for you. Guaranteed. 2. It’s very unlikely you’ll be able to go to a high street bank and be approved for a mortgage.