With the mortgage market contracting so sharply following the banking crisis, many people are finding it difficult to get a mortgage. Even those who have had no problems in the past and are good credit risks are not finding it easy to source a mortgage from traditional lenders.

If you have had a mortgage refused, your best option is to seek out a mortgage broker who has more flexibility than a direct lender such as a bank or building society. This is because mortgage brokers deals with a number of lenders, each of whom offers different terms and will accept different applicants.

A good mortgage broker will keep abreast of all of the latest mortgage deals and should know quickly whether there is a lender who will accommodate your particular circumstances. This means you do not have to waste time filling in application forms when there is no chance of acceptance.

Mortgage brokers can deal with "high street" lenders, looking for clean risks, and also lesser-known companies who specialise in helping those with credit problems, difficult circumstances and those turned down elsewhere. This means that no matter what your circumstances they should be able to find you a good mortgage deal.

One such mortgage broker is Handmade Mortgages. They offer a full range of mortgages including:

• Fixed rate
• Variable rate
• Flexible mortgages
• Buy to let
• First time buyer
• Debt problem mortgages

Buying a house is stressful enough as it is. Handmade Mortgages make it as stress-free as possible to obtain a suitable mortgage quickly and easily. They will always treat you as an individual, not a number, and their friendly staff are on hand to dispense help and advice when it is needed.

Mortgage quotes are free and without obligation so there is no excuse not to give them a try and see what they can offer you.

Credit problems affect a large number of people in the UK. This figure is set to rise as the recession bites and more and more people are driven into credit and debt problems.

When lenders assess your suitability for a loan they will always want to know about your past credit history. If you have had problems in the past this could result in two outcomes:

1. You are refused a loan
2. The loan is granted at a much higher rate of interest or with other strings attached

Approaching a mainstream lender, such as a high street bank, is usually a bad idea in these circumstances as they have little flexibility and are unlikely to consider any circumstances outside of their narrow underwriting criteria.

With our bad credit unsecured loans we have much greater scope to help you as we deal with many different loan companies, some of which are specialist in helping people with credit problems.

Plus we have many years experience of assisting people just like you - whatever your circumstances or problem it is highly likely we have seen it all before. We do not make judgements about people, we just want to get them unsecured credit wherever possible.

Applying is easy - give us a call or complete our online unsecured loans enquiry form. There is no obligation to proceed if we cannot offer you a good deal. We look forward to hearing from you and to helping you.

If your problems are more debt related, and you are looking at options to get out of debt, please visit our associated site, IVA Debt Problem to see which course of action is best for you.