The very best mortgage deals are now only available to those with an excellent credit history and have a deposit of between 30% and 40% of the house value.
If someone’s credit history is good, with only a few minor blemishes, and they have a deposit of between 20% and 30% of the house value, the chances are they will still find a fairly decent mortgage.
Self-certification Mortgage
For the people who only have a small deposit and need 100% mortgage or are self-employed and need a self-certification mortgage the situation is very different. For those in this category the chances of finding a mortgage are greatly reduced.
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