When it comes to buying a home, one of the biggest obstacles that many people face is securing a mortgage.

The process of finding the right mortgage can be overwhelming and confusing, especially for first-time homebuyers. However, a mortgage broker can help you navigate this complex process and find a mortgage that fits your needs.

Here are five obstacles Your Mortgage Shop can help you overcome to find the right mortgage for you:

Poor credit history:

If you have a poor credit history, you may find it difficult to secure a mortgage with a traditional lender. We work with a network of lenders, including those who specialise in working with borrowers with less-than-perfect credit, to find a mortgage that meets your needs.

Lack of deposit:

Saving up for a deposit can be a major hurdle for many homebuyers. We can help you explore options which require a smaller deposit than conventional mortgages, to help you overcome this obstacle.

Self-employment:

If you are self-employed, you may find it challenging to qualify for a mortgage through traditional lenders. We can help you navigate the unique requirements for self-employed borrowers and find a lender that is willing to work with you.

Complex financial situation:

If you have a complex financial situation, such as multiple sources of income or assets, it can be difficult to find a mortgage that fits your needs. We can help you understand your options and find a lender that is willing to work with your unique financial situation.

Time constraints:

Finding the right mortgage takes time and research. We can help streamline the process by doing the legwork for you. We can compare rates and terms from multiple lenders to find the best mortgage for your needs, saving you time and hassle.

Overall, we can help you overcome these obstacles and more to find the right mortgage for your home purchase. We have the knowledge and expertise to navigate the complex world of mortgage lending and can help you secure the best possible loan for your needs.

If you are in the market for a mortgage, consider working with us to help you overcome these obstacles and find the right mortgage for you.

Share this story

More news

Understanding Mortgage Overpayments: A Smart Way to Save

Making mortgage overpayments could save you thousands — but is it the right move? Here’s what to know before paying extra on your loan

Thinking of Relocating? What to Consider When Moving to a New Area

Relocating? Here’s what to consider before moving to a new area — from neighbourhood checks to mortgage support, we’ve got you covered
first time buyers

5 Things First-Time Buyers Often Forget – And How to Avoid Them

Buying your first home can be exciting – but it’s also easy to overlook crucial details. Here are five common mistakes
remortgage

Is Now the Right Time to Remortgage? A 2025 Guide for UK Homeowners

With interest rates fluctuating, many UK homeowners are questioning if 2025 is the ideal time to remortgage. This guide provides clarity
remortgaging

Remortgaging Your Home in 2025: What You Need to Know

Remortgaging your home in 2025 could save you hundreds — or even thousands — a year. Learn when it’s smart to switch
fixed vs variable mortgages

Fixed or Variable: Choosing the Right Mortgage Type

Confused about whether a fixed or variable mortgage is right for you? We break down the pros and cons of each
low deposit home purchases

Buying a Home with a Low Deposit – What Are Your Options?

Think you need a huge deposit to buy your first home? Think again! From 95% mortgages to shared ownership and even 100% options
mortgage approval process

Mortgage Pre-Approval vs. Full Approval – What’s the Difference?

Not sure about the difference between mortgage pre-approval and full approval? Find out how each stage impacts your home-buying journey
mortgages in nottingham

The Most Common Mortgage Mistakes – And How to Avoid Them

Avoid common mortgage mistakes that could cost you time and money! From credit scores to choosing the right mortgage, here’s what to watch
costs of buying a home

The Hidden Costs of Buying a Home & How to Budget for Them

The Hidden Costs of Buying a Home in the UK Buying a home comes with more than just a deposit—think Stamp Duty, solicitor fees, surveys,
contents and building insurance

Fixed vs. Tracker Mortgages: Which Is Best in 2025?

Choosing the right mortgage in 2025 can feel overwhelming, especially with the market constantly shifting. One of the biggest decisions buy
mortgage payment protection plan

Top 5 Mistakes to Avoid When Applying for a Mortgage

Navigating the mortgage application process? Learn about the top 5 mistakes to avoid when applying for a mortgage, and enhance your chances
Mortgage Quote Calculator​

Mortgage Quote Calculator

Result
(monthly payment)

£00.00

close

Mortgage applications are subject to status. The rates detailed are for illustrative purposes only and may not be applicable for your circumstances. Our advisors will be able to discuss the full range of products on offer that suit your criteria.

Mortgage applications are subject to status. The rates detailed are for illustrative purposes only and may not be applicable for your circumstances. Our advisors will be able to discuss the full range of products on offer that suit your criteria.
Affordability Calculator​

Affordability Calculator

Result
£00.00
close
Affordability

This illustration is not a quotation under the Consumer Credit Act. Any figures quoted are subject to validation of income, credit checks and a property valuation. View our latest mortgage rates on our home page to find a selection of mortgage products. Alternatively, let one of our mortgage experts handle it for you. They’ll find the right mortgage for you and manage the process from start to finish.