Mortgages

Adverse credit mortgage and remortgages for buyers with a poor credit history

It is always a worry when you have had credit problems in the past, perhaps a county court judgement, (CCJ) against you and your concern is how this will affect you if you are looking to perhaps borrow to purchase a house or flat for the first time, move home, or to transfer your mortgage for a better deal with a different lender.

Through our relationship with leading mortgage advisors, they have access to many semi-exclusive deals, backed by their expert knowledge to find you the right product at the right price.

If you are new to the property market then we have put together a useful collection of information for you below. However you may know exactly what you have in mind and would like to have an adverse credit mortgage expert offer you a Free, No Obligation, Quotation. Then all you need do is click the house below for the appropriate short form depending on your mortgage requirements. You will then be contacted by email or telephone and be provided with your FREE quote.

What constitutes Adverse Credit

You are deemed to have adverse credit otherwise known as poor or bad credit if you have one of the following:-

County Court Judgements (CCJ), Bankruptcy, Mortgage arrears or any late payments on other credit arrangements such as credit cards and loans.

Do I need a deposit - I am buying for the first time?

Yes, if you have adverse credit lenders will require a large deposit.

How long does bad credit stay on my credit file?

CCJs, Bankruptcies and Defaults will stay on your report for 6 years, late payments will remain for 2-3 years depending on the credit agency.

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