Special Situations

We can help with special situations:-

Self employed with no proof of income
If you are struggling to get a competitive mortgage because you are self employed and do not have proof of earnings then Planit Mortgages can help with recommending lenders who can take your situation into consideration. This could be because you have been self employed for only a short period of time and do not have a full set of accounts or

  • Your income is made up with a large percentage of commission and bonuses
  • 2 or 3 jobs where some may be paid in cash
  • Income largely from dividends

Mortgages Ferndown, Wimborne, Ringwood, Dorset

Unusual Properties or Non-standard Construction
Some high street lender will not lend on any property that is a bit unusual or is made of non standard construction. This may include listed buildings, high rise flats, house boats, windmills, ex-local authority properties made of concrete.

Self Build
If you want to buy land and build your own property we can help with land purchase and then stage payments for the construction of the property.

First Time Buyers
A lack of deposit is a problem for a lot of first time buyers. There are special schemes available to help and based on affordability. In addition, guarantor schemes are available so that close family members can help secure a mortgage for their children.

Mortgages Ferndown, Wimborne, Ringwood, Dorset

Key Worker and Shared Ownership
Special schemes for doctors, nurses, care workers, teachers and other local government workers can part buy a property with a loan as a deposit from their employer or they can part buy part rent through a Housing Association.

Bridging Finance
Quick and easy to arrange, especially for short-term lending. This type of finance can be used to buy property at auction, or to purchase that dream home whilst still waiting to sell a current property.

Mortgage Arrears, C.C.J.s and Adverse Credit
If you have had a few problems in the past with falling behind with mortgage payment or you have defaults or County Court Judgements recorded on your credit file then it is likely that you may have been declined by a lender. There are some lenders who are willing to help and Planit Mortgages can find you the best deal to suit your circumstances.

Bankruptcy / IVA
We understand the difficulties people face raising finance post bankruptcy, and will help to find the best deal for your specific situation. There are lenders who will consider lending once you are discharged.

Right to Buy
For council tenants who have been given the right to purchase their council properties at discounted prices.

Second Charge / Secured Loans
This type of loan could be recommended if a current lender refuses additional borrowing or there are high redemption penalties if a remortgage is carried out, or if you have incurred adverse credit which affects your ability to remortgage with a high street lender. Another reason could be short term borrowing or quick access to funds.

  • Can be arranged up to 100% of the property value in some circumstances
  • No up front fees, fees usually added to the loan
  • Generous income multiples and self certification of income up to 85%
  • Completion usually 2 to 3 weeks
  • Some adverse credit accepted
  • Can borrow anything from £3000 to £500,000
  • Terms available from 5 to 25 years
  • Existing mortgage can be left alone thus avoiding penalties on early redemption of your mortgage
  • Can be used even within a council pre emption period
  • Any legal purpose accepted
  • One month’s payment of interest as a redemption penalty

Debt Advice

We offer a Free Advice Service for people that want to deal with their debt problems.

  • Debt Transfer

This is a fast, legal way to rid your self of personal debt and, in the right circumstances can be exceedingly cheap and effective.

  • Challenge the Debt Agreement in Court

There are companies that will help you do this.  Some will charge very high fees, others do not.  You will need to pay for the Legal Representation and the process can be very long winded (from 9 to 24 months).

  • Debt Management

Once again, some companies will rip you off and others give a very fair deal.

We will be pleased to give you the advice that you need to find the best solution for you.

Planit Mortgages, 495A Ringwood Road, Ferndown, Dorset, BH22 9AG.

We work all across the UK including London. Our local markets include: Dorset, Hampshire, Poole, Bournemouth, Christchurch, Southampton, and surrounding areas.

Planit Mortgages is the trading name of Planit Lifestyle Limited which is authorised and regulated by the Financial Services Authority.
Registration number 472491. CCL 603749

Registered in England and Wales No. 5894832. Reg. Office: Sutton House,Sutton Holmes,  Verwood, Dorset. BH21 8NQ.

The Financial Services Authority does not regulate Bridging Finance and some forms of Mortgages, Loans and Debt Consolidation.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based within the UK, or UK expatriates.