If you've had credit problems in the past, you may think you cannot obtain a mortgage, but I have good news for you! If you are in steady employment, I have access to a number of lenders who specialise in mortgages for people with past credit issues.

My goal is to make the mortgage process easier for everyone, even if you have a bad credit history. I am not here to judge you, only to help you get into your own home.

Even if you have no deposit, I can arrange for you to borrow up to 100% of the purchase price. Again, good employment is the key.

If you have had credit issues, and are in full-time employment, contact me to discuss your options for a mortgage.

Unexpected things can happen from time to time, which impact on a family's ability to make loan payments.

• You may have had a period of illness or unemployment, which has caused you to fall behind on your mortgage payments.
• Perhaps you have too much consumer debt (e.g. car loan, hire purchases, personal loans), and don't have enough money left over to pay the mortgage after making these other payments each month.
• You may have gone guarantor for a friend or family member and ended up having to service their loan.
• Perhaps you have received a notice from your bank demanding repayment or they will sell your home to recover their mortgage funds.

Whatever has happened, I have a range of options designed to help you keep your home. In many cases, we can arrange to consolidate all your debts into one lower monthly repayment.

The key is to take action as soon as possible. Contact me for a free initial discussion.