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Lender Negotiation2019-06-06T10:50:33+00:00

Lender Negotiation

The point at which many Homeowners choose to engage our services and advice is when their Mortgage Lender refuses their attempt to negotiate and threatens to start possession proceedings.

Vital Negotiation

Negotiation with your Mortgage Lender is a vital part of your case and can be started at any time. If used successfully, it can stop your case reaching court initially, or encourage a Mortgage Lender to withdraw an eviction Warrant for cases at a later stage.

When you have arrears, your Mortgage Lender will typically start Possession Action against you when your payments reach three months arrears. How soon your Lender carries out that threat is often determined by the Homeowner’s ability to negotiate and satisfy their Lender’s demands.

Each Lender takes a different approach and no two cases, even with the same Mortgage Lender, follow exactly the same path. This is because many factors surrounding the set up of the mortgage and the client’s individual circumstances play a part in how the case unfolds.

Some Lenders will offer you no form of negotiation and instruct their solicitors to handle your case, other Mortgage Lenders will run you around in circles and claim that you must evidence your case with payslips and bank statements so they can question every penny you spend per month. We have seen many cases where they waste your time and keep you occupied while they wait for a court date to be set.

We Negotiate With Your Mortgage Lender

We specialise in understanding how to marry your circumstances and affordability within the confines of your specific mortgage conditions. Next, we negotiate with your Mortgage Lender in a manner that makes it difficult for them to refuse, based upon the regulation they must follow.

In any form of Lender Negotiation, you must ensure that your proposal, whether it be to repay your arrears overtime; refinance; or request time to sell, falls within the regulatory and legal confines that bind your Mortgage Lender. If your proposals are outside of what is allowable, your negotiations will fail. We can ensure that what you are offering can, in fact, be accepted by your Mortgage Lender.

It is crucial that you are careful to ensure that your proposals are realistic so that they can be met and maintained. Often, Homeowners panic and make offers of repayment which they almost immediately fail to maintain. When this happens, your Lender will claim it is a broken arrangement and will use this against you in any future court hearings.

Contact Us to Discuss Your Options.

Previously, we have defended hearings whereby a Mortgage Lender has claimed as many as 18 broken arrangements, making the Homeowners payment history appear to be very poor. In reality, the Homeowner had a relatively small amount of payment arrears and often, the ‘broken arrangement’ was simply a payment that was a few days late. We were able to correct the perception the Mortgage Lender had painted for the court, and consequently, the court order was suspended on affordable terms for the Homeowner.

It can prove to be quite difficult for a Homeowner to achieve the result they need through direct negotiation with their Mortgage Lender without professional help. Certainly, if you have failed to maintain a previous agreement that was made under negotiation. Your Mortgage Lender will almost always want more.

Therefore, you must be sensible in terms of negotiation, especially when your Mortgage Lender refuses your first attempts. Offering more money or lump sum payments is not the solution. Your Lender may be pushing for a Court Hearing or eviction no matter what you offer. If you have reached this stage, you need to contact us to discuss your options.

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We help save your home by stopping your eviction, helping you clear your arrears negotiating with your lender.

What people have to say about Home Owner Management Services

Thank you so much for your help. We can now keep our home for the long term. We now have to pay our Lender a monthly payment we can finally afford after a year of turmoil. The hardest thing was unpacking all the boxes we had already packed because we thought there was no hope.

Everything you did for us was so quick and professional, our home was saved before we knew it, it took some time to sink in, but they really did achieve what we thought was impossible. In less than 24 hours of phoning them the eviction order was cancelled.

With the weight off our shoulders we can concentrate on living again and earning the money we need to pay the mortgage without living in fear of the Bailiff knocking on the door with an eviction order!

Mr & Mrs J W

I really had my head in the clouds as I believed I now had no where to turn. I had already made my appointment with the council to assess me for emergency housing. However my council said they could only find me a hostel to stay in. 1 call to Aggressive Lender Solutions and I no longer had a problem.

They resolved the Eviction order in a matter of days, giving me every confidence that they could achieve it, every step of the way. I don’t know where Id be if they didn’t help.

Mr B

I really can’t thank you guys enough. I was certainly headed for another breakdown, however, the sheer weight of your support saved me from despair and I am sat at home nice and  warm, in familiar surroundings thanks to you.

I can’t believe, looking back, how much time I wasted trying to convince the lender to let me stay, so many documents and offers, my only regret is honestly not phoning you sooner.

Mrs M
I was at a total loss at what to do with my situation, having been a mortgage broker, I was convinced I had the ability to talk to my lender and negotiate however; nothing I could offer was good enough!

They explained the process to stop the eviction and when it all came together it was like a case of De Ja Vu, it went EXACTLY as they said it would. They got me enough time to save up my deposit to go and rent, and I just let the lender have the house because I had negative equity anyway.

I am now back to a comfortable state of living and have no stresses anymore. I didn’t have to borrow any money from anybody because I didn’t have to pay the mortgage while I was saving up for my rent.

The best part was having the ability to remove my belongings at my own pace, and it not being done for me! I didn’t need to arrange storage or anything. I cant begin to express how grateful I really am!

Mr L

It is never too late to contact us, even if your eviction is only an hour away. Call 0800 298 0571

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