Who can you ask for a mortgage when everyone's turning you down? | Money | The Observer
Many would-be mortgage borrowers who fail to meet lenders' squeaky clean criteria are deterred from applying because they believe they will be rejected. First-time buyers, the ones who keep the housing market ticking over, are particularly affected. In its Generation Rent report, the Halifax said: "Many renters would love to own their own home. However, the fear of the mortgage application process and of having an application declined are stopping potential first-time buyers applying."
Their worries are justified: although the Halifax accepts eight in 10 applications, many borrowers are falling at the first hurdle with other lenders.
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