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ADVERSE CREDIT MORTGAGES
● MORTGAGES UP TO 85% ● RATES FROM 3.98% At
80%
MORTGAGES
FOR PEOPLE WITH ADVERSE OR BAD CREDIT
Mortgages and remortgages
Will I get a mortgage if I have had past
bad credit or credit problems?
Here is the criteria we
are looking for to help people with some past adverse credit.
Missed mortgage payments: None in the past 12 months but we may
consider up to 2 missed in years 2 and 3 and before.
CCJs & Defaults: None in the past 3 years but up to £5000 total in
years 4, 5 and 6
Loans and Credit Card late payments: We will look at occasional
late payments but not in the last 3 months and not on more than 3 accounts. A
good explanation is required.
No credit scoring, No credit application noted on credit file when
providing a decision.
We cannot accept bankruptcy, IVA or debt management plans on this
scheme.
We can look at past bankruptcy and IVA & debt management plans if satisfied for
at least 4 years with no further credit problems on a different scheme.
We can look at other levels of past adverse credit on several different schemes
but at loan to value from 75% down to 50% for the highest levels.
Please enquire but we ask you to carefully read the above
criteria first. You may not be aware but we have been helping people with
adverse credit obtain mortgages for 15 years!
The actual rate you would pay will depend on your circumstances and the property
loan to value
Please request a personalised quotation and keyfacts illustration via our
enquiry form. |
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APPLY ONLINE MORTGAGES AND
REMORTGAGES
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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Click on the following topics for helpful
information, that could help you get your mortgage or remortgage
adverse credit
shared ownership
self employed
buy 2 let
no age limit mortgages
items required list
Get your FREE credit file just
click here
Free advice:
1) Mortgage lenders do not go by the
credit scores you may be given by Experian or Equifax. This is quite misleading.
2) Recent problems such as late payments on even a mobile telephone in
the last 3 months may mean a decline decision from a lender such as Santander,
Halifax or Nationwide. So keep those payments current!
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