This shouldn`t stop you from applying elsewhere, because it could be something as simple as not meeting their criteria for something in which other lenders might take a totally different approach. Even if you perfectly meet the conditions set by the lender when you apply, there are still a lot of the lender`s requirements that you must meet, which are not even displayed to you. This could be some sort of particular credit utilization rate if you`re single or married, full-time or self-employed. ✘ We do not offer multiparty mortgages or collateral If you prefer to choose a mortgage yourself, you can apply for your mortgage online. However, you will not benefit from the protection offered by our recommended service. It`s a good idea to sort things out before you apply for a mortgage and find your new home.