RATES AND ACCEPTABLE ADVERSE CREDIT GUIDE TO ACCEPTABLE ADVERSE CREDIT
Acceptable adverse 80% loan to value maximum
Defaults: 1 in the last 24 months
CCJs: 1 in the last 24 months but ok if older
Mortgage arrears: None missed payment in last 12 months.
Mortgage arrears over 12 months ago: will be considered.
IVA: Not accepted.
Bankruptcy: Not accepted. Debt Management Plans. Not accepted
Repossession. Not accepted
Credit scoring: Not all schemes credit score
Reasons for adverse credit: Must be provided
Self cert not available.
Self employed will have to provide accounts or self assessments and/or accountant's reference for income.

CLICK HERE FOR THE ADVERSE LENDING CRITERIA

Please enquire. A credit check will be carried out before we can quote rates. You must request a KeyFacts illustration which will show the APR

Acceptable adverse for the 75% and lower percentage schemes mortgage or remortgage
Past defaults, CCJs, late payments and old mortgage arrears may be considered. Self-cert not accepted.
IVA, Bankruptcy, Debt Management Plans, Repossession. Not accepted, unless satisfied for at least 3 years
We cannot quote on this scheme without approval from the lender, which may involve a credit check. Each enquiry is based on its merits.
Note: There are limited funds for 75% so please apply as soon as  possible.
shared ownership rates link click here