I thought I was doing the right thing by resisting the urge to have a credit card or take out loans for big purchases. I found out that I was wrong after falling in love with a beautiful house. I headed down to my local High Street to see what mortgages the banks could offer me. The first bank I came to turned me down and the same happened at the second and the third.

Do you know why they turned me down? Apparently I don't have a credit history! It doesn't matter that I've never owed anyone any money in all my life - surely I'd be the perfect candidate to give a mortgage to!

I was at my wits end and I could see myself losing the house. So I looked through my local paper and I came across a National & Capital advert that said they could offer mortgages for people that had been turned down by the High Street lenders.

My N&C personal adviser, William, came straight round to my house with all the options laid out for me and I've ended up with a mortgage that is as competitive as any High Street lender. Because National & Capital's computers like to say "Yes" I managed to move into my new house a month ago!

Peter Williams*

* This is an example of a typical customer scenario where National & Capital have helped in the past.

OVERALL COST FOR COMPARISON IS 9% APR.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Our fees are either £995 or £2995 dependent on the product purchased. Tracker, fixed and discounts available. Early repayment charges apply and may also apply on your existing mortgage.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

National & Capital is authorised and regulated by the Financial Services Authority for mortgage and non-investment insurance business. Authorisation number 457207. This site is intended for people that live in the UK. © Copyright National & Capital 2006. All rights reserved.