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Buying property – black list | Home loan

Dennis wants to buy a house with his girlfriend Lesley. Dennis is on the “heavy list”. What can the couple do? Their credit broker knows what to do. Dennis buys a house with his father.

In 2006 Dennis buys a house with his father. The bank asks that they both commit to the home loan.

Dennis and his father mutually agree that the father pays the home loan. Dennis does not live in the house. He lives with his grandmother.

On “blacklist” by arguing with his father

On "blacklist" by arguing with his father

Dennis and his father are arguing. This fight degenerates and there is a backlog on the home loan. The banker is required to register all parties involved negatively at the Central Individual Credit Register. Dennis will be on the “black list”.

In the end, the backlog will be fully reimbursed. Dennis wants to buy a house with his girlfriend.

Meanwhile, Dennis and his girlfriend have seen a house. They want to buy this. They do not receive a home loan from their bank. Dennis is still reported negatively at the Central Individual Credit Register.

Still home loan for Dennis and Lesley

Dennis and Lesley both work very hard. They form a newly composed family and want to move forward in their lives. Moreover, Dennis’ grandmother also wants to help. Their situation is not that bad. Why does the bank not want to give them a home loan?

They call in the help of a credit broker.

New home loan via Good Finance

New home loan via Good Finance

Their credit broker analyzes their file. Dennis and Lesley earn enough money together to repay a home loan.

Only in terms of guarantees does Good Credit limit itself in this type of credit file to the forced sale value to calculate the maximum quota. This is the maximum that Dennis and Lesley could borrow.

Fortunately, the grandmother is willing to help her grandson and his girlfriend. She gives her home in guarantee.

Dennis and Lesley are the proud owners of their home today. Thanks to their credit broker.

Being on the “black list” doesn’t have to be dramatic. There are often still opportunities to find a solution. Are you also on the “black list” and looking for a solution for your home loan? Contact us We will put you in contact with a credit broker in your area with complete discretion.

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