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Adverse Credit Mortgages

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Adverse Credit Mortgages

If you have had arrears, defaults, county court judgements (CCJs), debt management plans or have been made bankrupt in the past 6 years, there are still mortgage options available.

Bad credit mortgages help people with a history of poor credit get on the property ladder. You may have to pay a slightly higher interest rate, as mortgage lenders will deem you to be a higher risk. However, if you keep up repayments on a poor credit mortgage, your credit rating should improve and enable you to move to a standard mortgage at a lower rate after a few years.

Our friendly mortgage advisers regularly deal with lenders who are experienced in lending to customers with poor credit ratings, and are well placed to advise you on all your available options. They will work with you to find you the most suitable mortgage deal and secure an Agreement in Principle, so you can turn your dream of getting a new home into a reality.

 

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Helina McBride (24) is currently studying for a degree in Occupational Therapy and Sean Clarke (29) works in HR for the Ministry of Defence.  The couple has recently bought their first home in Stoke Gifford near Bristol.   They had to make the choice between getting married or getting their foot on the first rung of the property ladder…

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Going through a divorce can be difficult enough without having the added worry of starting afresh and buying a house again on your own. For many, this may be the first time you’ve bought alone, and the whole buying process can be a daunting concept without someone to discuss and share it with.

How to get a mortgage with bad credit

Understandably, banks and building societies are careful who they lend money to, and financial histories are always looked into, with no exceptions.
Looking into a credit history will show up any defaulted payments and give the lender a good impression of how financially responsible you are with your spending.

Ready To Discuss Your Mortgage Options?

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Monday – Friday

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Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

©2019 |CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.

Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number:08820469

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