Damien Grafton - Ampthill Mortgage Broker
Luton
Mortgage advice covering bad / adverse credit, first-time buyers. Damien Grafton has not recorded a fee structure.
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About Damien Grafton
Damien Grafton - Ampthill Mortgage Broker is a UK mortgage broker based in Luton. Its website describes mortgage advice for first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Damien Grafton works across bad / adverse credit and first-time buyers from Luton — a focused listing led by bad / adverse credit work.
Pairing first-time-buyer work with adverse credit is worth noting: a thin or damaged credit file is the single most common reason a first purchase falls over, and it needs a lender chosen for that rather than for its rate.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Damien Grafton
Tailored to this listing.
- 1You list bad / adverse credit and first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Do you see clients at your Luton office, or is this handled by phone and video?
Getting in touch with Damien Grafton
Damien Grafton lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Damien Grafton charge for mortgage advice?
Not recorded on this listing — ask Damien Grafton directly, as it must tell you before you commit. Adverse-credit cases take considerably more work, and some firms charge for them even when standard cases are free.
What types of mortgage does Damien Grafton handle?
Damien Grafton - Ampthill Mortgage Broker records bad / adverse credit and first-time buyers, working from Luton. Ask anyway if your case sits outside that list.
Can Damien Grafton help if I have bad credit?
Damien Grafton lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does Damien Grafton only cover Luton?
Damien Grafton - Ampthill Mortgage Broker is listed in Luton, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Luton on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.