A major new survey of the barriers to recovery for the UK housing market has found that a third of all adults who were refused a mortgage when applying directly to a lender then went on to have their application accepted by using a mortgage broker.

The Countrywide and YouGov poll also highlights a number of concerns that Brits have regarding the large mortgage market in the UK. Keep reading to learn more pef.

Rejected mortgage applicants have more luck via a broker

The poll questioned over 2,000 adults including private rental tenants, homeowners with mortgages, shared equity stakeholders, owner occupiers and those living rent-free.

It found that the main cause of mortgage application rejection was insufficient income, with nearly three in ten people (29 per cent) encountering this problem. A low credit score lead to a mortgage application rejection for almost a quarter (24 per cent) of those surveyed. Nearly one in 10 said that their application was rejected on the basis of their being self-employed gzpollyshoes.

The YouGov poll also highlighted several major barriers to the housing market's recovery. We'll look at these next.

Barriers to the high value mortgage market's recovery

The Countrywide research highlighted two main barriers to the recovery of the UK's large mortgage market:

Current living arrangements Affordability

Many young adults are happy where they currently live and have no desire to move book printing. Two in five 18-24 year-olds and 41 per cent of 25-34 year-olds claimed that 'being happy where I live' is preventing them from moving.

In addition, the research found that 18 per cent of 25-34 year olds advised that being unable to afford mortgage repayments was preventing them from buying a property at this time. Nearly two thirds (63 per cent) of private renters reported that deposit affordability was a factor preventing them from buying Thailand AAA Soccer Jersey.

Grenville Turner, chief executive of Countrywide, said: "The issue of deposit affordability remains the major barrier to purchasing a home for renters and we have been calling for some time now for meaningful mortgage targets to strong-arm higher loan-to-value lending."

He added: "Restoration of the mortgage market would help unlock the current stagnated property chain with the availability of more accessible mortgages so that prospective property purchasers, both first-time buyers and down sizers, can buy their home at a price they can afford and in a location they want to live in."

The YouGov survey also found that a third of all adults who had had their mortgage application rejected by a high street bank or by a building society subsequently went on to have a high value mortgage application accepted by a lender through the use of a national or London based mortgage broker. This proves that there are benefits to approaching a professional mortgage broker.

Brokers have specialist knowledge of a wide array of lenders with different lending criteria and so know who to approach for, say, a self-employed client or someone who needs to access higher income multiples discounthandbags. If you're struggling to get agreement for your home loan, perhaps it's time you spoke to an expert?