There are a number of changes we've heard and seen implemented over the past couple of months which make it more difficult to borrow above 80% with the trading banks.

There are still a number of ways to get above this level and this is where we, as mortgage experts, can help. Going directly to the bank for 80%+ (or any level of) lending does not make sense as now, more than ever, you need to make sure the deal is presented perfectly to get approved. You often don't get a second chance to apply.

We're always here to help get deals across the line. It costs nothing to talk to us and, for standard deals, the lenders pay our fees. There is every reason to talk to us first for any sort of finance.

Please contact us first to talk about how we can help.