If the computer says no, then give us a go!
Need a Mortgage or Remortgage Even with Bad or Poor Credit?
We can help
Get your mortgage application considered by a human and not a computer, so you’re more likely to be accepted for the mortgage you need, even with Poor or Bad Credit.
- See if you qualify today.
- We have over 25 years’ experience of helping those with credit problems getting a Remortgage or Mortgage.
- By getting a remortgage, you could be reducing your monthly outgoings.
GET A QUOTE TODAY!
Complete your details below and we will call you back at a time that suits you for an informal chat and help you choose the right deal for you.
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.
ADVERSE CREDIT HISTORY
When it comes to taking a mortgage, most lenders have taken a very strict view as to who they consider to be worthy of a mortgage. They prefer to deal only with those who have faultless credit histories and adequate deposits.
However, money and credit problems can affect anybody at any time due to several reasons. Having just gone through one of the most turbulent and prolonged financial crises globally in modern times, it’s hardly surprising that a lot of people have been affected by the recession.
People can get into financial difficulties through absolutely no fault of their own and even if they were not blameless, they would like the opportunities to sort things out.
There is some good news. There are some specialised lenders in the marketplace that are very willing to provide mortgages for people with adverse credit situations. The deals that they can offer are unlikely to match those of a standard mortgage. These lenders were previously known as either “sub-prime” or “non-conforming”. They will, however, almost certainly charge higher rates.
Why choose us?
While these lenders want to separate the standard mortgages from the adverse ones, the deals that they are now offering are less harsh than in previous years. There would be a good chance that after a few years of having a good payment record, a standard mortgage may be achievable.
All applications are underwritten on an individual basis and quite often, manually, so you will be treated as individuals. The interest rate applied is set according to the risk the underwriter and lender believe is posed. There is usually an Early Redemption Charge applicable with an adverse credit mortgage, but these should go after three years.
Please be aware that a mortgage may not be available in all cases, but we will certainly try to help, so why not get in touch to see if we can help you, TODAY.
GET A QUOTE TODAY!
Complete your details below and we will call you back at a time that suits you for an informal chat and help you choose the right deal for you.
Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.