Help to buy case study with bad credit

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The customers came to us via our website mortgage enquiry form.  They were looking for their first mortgage, they also needed to buy via the Help to Buy scheme.

Despite a few credit problems in the past, we were determined to help the couple and their 5 children purchase their first home.

We sourced the market and using our expert knowledge, of which lenders will accept bad credit, we successfully placed the mortgage.  We completed all the mortgage paperwork with the customers, help with the solicitors and the family have now completed and moved into their new home.

Having previously rented, they are now paying their own mortgage with the assistance of the Help to Buy scheme.

At a glance

  • Using our mortgage enquiry form they were able to get an idea of the mortgage they could afford and monthly payments?
  • Getting a mortgage using the help to buy scheme
  • Customer had credit problems (bad credit) and we were still able to find a mortgage for them.
  • They were a big family that we helped move from renting to owning a home.

Names only were changed in this case study to protect identity

Clever Mortgages is now part of Oak Mortgages Limited.

Don’t worry, you’ll still be looked after by the same friendly, experienced team you know and trust. We’re here to guide you every step of the way on your mortgage journey.

👉 Discover more about us at www.oakmortgages.co.uk or see what our happy clients are saying on Google Reviews.

Posted on Google Google
G S profile picture
G S
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From the very first contact through (what was a complex and hugely frustrating conveyancing process), to the day of completion, Oak Mortgages were the shining light that got us through. Sarah and her team were brilliant. They were responsive, caring, empathetic, knowledgeable, professional, and human at each and every stage. We are so grateful that we used Sarah and Oak Mortgages and highly recommend them to anyone wanting to guarantee that authentic, trustworthy approach from professionals who care. A top class act - 5 ⭐️⭐️⭐️⭐️⭐️
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DOBO and the Foodies
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Awesome service, helped me at every step on a journey I never thought at 50 I could make! Sarah is amazing available whenever I needed her highly recommend
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Caoimhe Clarke profile picture
Caoimhe Clarke
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Thank you to Abby and the admin team at Oak Mortgages who have been fantastic in helping me secure a remortgage on my property. From my first phone call to Abby I was filled with confidence and the experience with the team was brilliant, especially when other companies involved were not so brilliant the Oak Mortgage team pulled out all the stops to make sure completion happened. I would highly recommend this company and will use their services in the future. Thank you again.
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Lisa Zuccotti
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Excellent company to deal with , very efficient and caring ensured all our needs where met . Highly recommended.
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Reece Baird profile picture
Reece Baird
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claire.geraghty Amazing lady, helped me all the way to the finish line! Highly recommend!
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graham draper profile picture
graham draper
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Excellent service and advice throughout the whole process making for a very straightforward experience with special thanks to Abby and Ashleigh.
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Ant profile picture
Ant
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Alex at Oak Mortgages has been an absolute life-saver. After being let down by a previous mortgage advisor who wanted me to take a massive risk with no guarantees, I contacted Oak Mortgages and was put in touch with Alex. ​Not only did he find me a mortgage with the exact same lender without having to take that risk, but he also got me accepted! His knowledge is top-notch, his communication is brilliant—he always picked up the phone and replied to emails super fast with regular updates. As a first-time buyer, Alex was hands-down the best part of the entire buying process. ​I am now happily settled in my new home, and I have Alex to thank for it. I will 100% be using Oak Mortgages again in the future (and hopefully Alex!). Thank you so much!
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Alannah McNaughton profile picture
Alannah McNaughton
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Abby Malcolm was fantastic. Work quickly to find me a great rate and explained everything I needed to know. Highly recommend her :)
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DanielaDany Zavaliche profile picture
DanielaDany Zavaliche
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They are a very good and friendly team. I am very proud of them. Well done!
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