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About
Us
Prosper Mortgages have three main areas of mortgages, we specialise in
1. Adverse Mortgages/ Re-Mortgages
2. No Proof of Income
3. Buy to Let Mortgages/ Re-Mortgages.Adverse Mortgages
Where someone has experienced problems with County Court Judgements (CCJ's), Defaults, Mortgage Arrears, Poor Loan Repayments, Poor Credit, we offer a sympathetic service and will try to help you whatever your circumstances.
No Proof of Income. Affordability
Where someone has difficulty proving all of their income, we have lenders who will look at your circumstances favourably and not require you to prove your income, self employed or employed.
We are required to satisfy ourselves about your ability to repay the mortgage that you are applying for and not encourage you to take out a mortgage for more than you can afford. Although both the lender and Prosper Mortgages will assess status and financial circumstances of borrowers, it will be your reponsibility to make sure that you can meet your monthly mortgage payments. A decision by a lender to offer you a mortgage does not mean that we have recommended that you take on the financial commitment of your mortgage.
If you decide to proceed with the mortgage, we want you to be sure that you can meet your mortgage payments as well as any other financial commitments that you might have. You need to take time to think carefully about this. You should not enter into the mortgage or any other financial obligations if it will become difficult for you to meet the monthly payments as well as your other normal monthly outgoings. This is not only just for now, but also in the future when your circumstances may have changed.
Buy to Let
We offer a full range of Buy to Let Mortgages and Re-Mortgages for the portfolio landlord as well as the client who just wants to purchase one investment property. Buy to Let mortgages are available for all types of property and all types of letting circumstances, from multi lets to contract lets and more. We have some of the best rental calculations on the market to maximise your borrowing potential. We have lenders who cater for both clean status clients and adverse status clients.
Whatever your circumstances, we specialise in the above types of mortgages or re-mortgages and would welcome your enquiry. Our service is always prompt, fair, courteous and confidential. We will not let you down.
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