Family-run mortgage broker in Sudbury, Suffolk

Yes, it can be possible, but it will depend on your credit profile, your income and the lender's criteria. A small number of lenders offer 0% deposit mortgages for first-time buyers, and help from family, such as a gifted deposit or a family member using their savings or home as security, can open up more options.

Yes, depending on the amount, the date the CCJ was registered and whether it has been satisfied. Your overall credit profile and each lender's criteria decide what's available, and we'll look for lenders whose criteria fit your situation.

Yes, although it depends on how many payments were missed, how recently and what type of credit they were on. Missed mortgage or secured loan payments are looked at more closely, and options vary from lender to lender.

Yes. How many defaults you have, the amounts, when they were registered and whether they have been settled all matter, along with your wider credit profile and the lender's criteria.

Most lenders will lend up to 4.5 times your annual income, but some offer products for first-time buyers that allow you to borrow up to 6 times your income if you meet their criteria. The final amount depends on your outgoings, any credit commitments and the size of your deposit. Book a free call and we'll work out what you could realistically borrow.

You'll usually need photo ID such as a passport or driving licence, proof of address, your last three months' payslips and bank statements, and your latest P60. If you're self-employed, lenders normally ask for your SA302 tax calculations and tax year overviews for the last two years, although some lenders will accept just one year's accounts. We'll give you a checklist that fits your situation.

You can usually secure a new rate up to six months before your current deal ends, and some lenders allow even earlier. If rates fall before your new deal starts, most lenders will let you switch to the lower rate. Speaking to us early gives you time to plan before your current deal ends.

Yes. We can meet you face to face at your home or at our office in Bulmer, just outside Sudbury. If you'd rather not meet in person, we can also talk by phone or video call.

No. Many of our clients are in Sudbury and the surrounding villages, but we help clients nationwide, by phone or video call wherever you are in the UK.

Yes. A local broker is someone you can speak to in person who also knows the area, including the period, listed, thatched and timber-framed homes around Sudbury and which lenders are comfortable with them. You also deal with the same adviser from your first call to completion.