Adverse credit mortgages

No one knows more about arranging a mortgage or remortgage when you have previous adverse credit problems. We can arrange up to 85% on a mortgage or remortgage and accept adverse credit. These mortgages are not available from high street lenders but the rates are quite close. No credit scoring.

County Court judgments up to £500 in the last 3 years (ignored if older), late payments on credit cards or loans, defaults, rent or mortgage arrears of 1 payment missed in the last 12 months but not in the last 6 months.  All may be considered but there must be no arrears, missed payments or any form of credit problem in the last 3 months Maximum loan to value is 80% for an adverse mortgage and funds are still available.

Credit problems even minor ones such as a few missed credit card payments will stop you getting a high street mortgage. We can help.

The actual rate available will depend on your circumstances and the loan to value. Ask for a quotation and keyfacts illustration by completing our enquiry form.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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