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By using a broker who has access to a wide panel of lenders, you may still be accepted by other lenders. 


Mortgages can be declined for a wide variety of reasons, and it is important to talk to one of our expert mortgage advisers for help and advice: 


My mortgage was declined because of a bad credit score 


If you have been declined a mortgage because of a bad credit score with one lender, it does not mean you won’t be accepted with another lender.  


There are even specialist lenders who will look to lend to people with bad credit scores. 


The best thing to do is check your credit score, and take steps to improve it before applying again. 


My mortgage was declined due to my income and affordability 


As every lender uses a different set of criteria to determine whether they will accept or decline your mortgage application, it is often very difficult to calculate what you can be lent. 


Generally, most lenders will calculate your affordability by multiplying your mortgage by four of five. 


For example, if you earn £30k, either as a sole applicant or a joint applicant, you will typically be able to borrow £150k. 


Sometimes there are abnormal cases, which cause lenders to decline a mortgage despite you having the funds to afford the mortgage. 


My mortgage was declined because I’m self-employed 


If you have been declined a mortgage because a lender didn’t like your self-employed application, there are a lot of specialist lenders who will be more than happy to consider your application. 


My buy-to-let mortgage was declined 


Buy-to-let mortgages are also subject to tighter restrictions due to an increase in fraudulent applications, making it more difficult for genuine buy-to-let buyers to be accepted. There are still many specialist lenders who will consider your application 


For advice on what to do if your mortgage has been declined at any of these stages, speak to one of our expert advisers who will be able to help you with the next steps.