Mortgage Refused Mortgages
Turned down by a high-street lender? A different lender, or a stronger application, often changes the answer.
Why mortgage refused?
Having a mortgage application refused can be stressful, but it does not mean you will never get a mortgage. Lenders decline applications for many reasons, and in most cases there are practical steps you can take to improve your chances with a different provider or after making changes to your application.
Common reasons for refusal include affordability concerns, credit issues, property problems, or incomplete documentation. Understanding exactly why you were declined is the first step toward getting approved. Lenders are required to tell you the reason, though some are more helpful than others in explaining the detail. Our [borrowing calculator](/calculators/borrow-amount) can help you understand what lenders may offer based on your income.
At Clearview Mortgage Solutions, we regularly help applicants who have been turned down elsewhere. Our advisers know which lenders have more flexible criteria and can identify the best route forward based on your specific situation.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Mortgage Refused mortgages
A guide to mortgage refusal
What to do when your mortgage is declined, the most common reasons, and how to move forward with a stronger application.
ReadAppealing a mortgage decision
Whether you can challenge a lender’s decision, when it makes sense to appeal, and how to approach the process.
ReadCommon reasons for mortgage decline
The most frequent reasons lenders refuse applications and what you can do about each one.
Read
Frequently asked.
The application itself leaves a hard search on your credit file, which can slightly lower your score for a few months. The refusal itself is not recorded on your credit file, but multiple applications in a short period can signal financial difficulty to other lenders. This is why it is important to understand the reason for the decline before applying elsewhere.
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mortgage refused mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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