We specialise in placing mortgages for people who may be declined for various reasons. Our lenders are banks, building societies and specialist lenders.

This is the basic criteria to check out.....we are able to help in most cases that match the following. Please note that late payments in the past 12 months will not be acceptable above 80% loan to value

100% No mortgages available

95% Yes you would be allowed one late payment in the last 12 months or 2 in the past 3 years.
One default or CCJ in the past 4 years and no more than £500, satisfied within 3 months of issue.

90% Much the same as 95% mortgages. Both allow for discharged bankruptcy/IVA of at least 5 years. We would have to look at mortgage arrears but none in the past 12 months,

85% Same criteria as 90% mortgages.

80% Mortgage arrears over 12 months old and CCJs/defaults over 3 years old will be considered. Generally more past adverse credit will be acceptable if not in the past 3 years.

75% through to 50% Similar to 80% but more flexible terms and each case considered on merit. Allows for more past adverse including Bankruptcy (discharged at least 3 years) and repossession over 3 years ago.

Please complete our enquiry form Mortgage or Remortgage and we will carefully assess your enquiry and respond with what we can arrange for you, within 48 hours.