Using a middleman might help. A broker will know exactly what sorts of people the various lenders will consider, and have access to special deals which may not be generally available.
This would get round another trap: because in many cases the granting of loans is decided by computerised credit scoring and recorded on a central database, if you are turned down by one lender that fact will show up.
A second lender might then turn you down just because the check will show you were turned down elsewhere. Use a proper independent financial adviser*, not an estate agent. He is not a financial expert.
Some brokers charge a fee. Others are happy to take a commission from the lenders they deal with. Make sure you ask.
source copy from thisismoney.co.uk
