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At Goodnews Mortgages, we’re committed to helping you navigate the mortgage process with ease, no matter how complex your situation. Whether you’re looking for a residential, buy-to-let, or commercial mortgage, or need advice on adverse credit or unique financial circumstances, our team is here to provide tailored solutions. We’re just a call or message away—let’s make your homeownership journey a success!
FAQs About GM
We like to help our clients in different situations and get their mortgage approved. See below some of our most frequently asked questions.Â
Generally, first-time buyers need at least 5-10% of the property’s value, though some schemes may offer lower deposit options.
Yes, though it may limit your options. Some lenders specialize in first-time buyers with poor credit, but you may face higher interest rates.
Yes, we can consider applicants working in NHS or care industry up to 95% of the property value subject to credit score and applicant’s circumstances.
Adverse credit refers to negative marks on your credit file, such as missed payments, defaults, County Court Judgments (CCJs), or bankruptcy. These factors can affect your ability to secure a traditional mortgage.
We can look at foreign nationals in need of mortgage with as low as 5% deposit subject to credit score and other criteria.Â
Yes, foreign nationals on a Tier 2 visa can obtain a mortgage in the UK.
Shared ownership allows you to buy a portion of a property (typically 25-75%) and pay rent on the remaining share, with the option to buy more of the property over time.
A commercial mortgage is used to buy a property or land for business purposes. These loans are tailored for businesses, including office spaces, retail outlets, or investment properties.
A debt consolidation mortgage allows you to consolidate multiple debts into your mortgage, using the equity in your home to pay off unsecured debts like credit cards and personal loans.
 Yes, you can get a mortgage on a spouse visa. Lenders will evaluate your financial situation, amount borrowing and level of deposit available.Â
About GM
We specialize in managing complex Residential, Buy to Let, and Commercial mortgages. Whether you have adverse credit, multiple income streams, are self-employed, or a foreign national on a visa, we have a solution to meet your requirements and mortgage affordability.
