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02 January 2013

Using Mortgage Consultants to try for a mortgage

I have been recently advised by two mortgage consultants that either jointly or on my own a mortgage lender wont look at lending me a mortgage for about two years because of my (our) credit history (our currnet credit stautys being 'fair'. How accurate are these consultants? would it be worth applying direct to a lender anyway and trying to find out? I (or we) are first time buyers with a £25,000 gift from family for a deposit.

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