Bad Credit Mortgages

Bad Credit (or Adverse or Sub Prime) mortgages are designed to allow people with credit problems in the past to buy a property. They are largely available through specialist mortgage lenders that typically only deal with Mortgage Intermediaries i.e. Mortgage Brokers, Mortgage Advisors, IFA's etc. Adverse credit scenarios can be triggered by various events, from mild (such as missing payments on your mortgage or other credit agreement), to more severe (such as bankruptcy). Help for Bad Credit Mortgage applicants To look around the mortgage marketplace now, you'd be hard pushed to find any adverse mortgage deals being advertised. However, advisers know certain secrets, such as: * what counts as 'historic' on your credit rating * how certain CCJs might not stop you getting a mortgage * if you've only just fallen into arrears and you move quickly, you might still qualify for a 'prime' mortgage In other words – yes, our advisers can still offer help for adverse credit mortgage applicants. Getting A Sub-Prime Mortgage To get an adverse credit mortgage, you need to make sure of two things: * That you get the best rate for your individual situation, and don't get taken advantage of; * That you get accepted first time, and don't get credit checked more than necessary (which can further affect your credit rating). The best way to achieve both of these is by speaking to an FSA-authorised mortgage adviser by calling 08445 045196 or completing the form below.

A bad credit mortgage is where you are currently looking to get a mortgage for a property but for some reason the lender feels that your credit score is not good enough to obtain a standard mortgage. This could be for a number of reasons for example if you have missed a loan or credit card payment in the past 12 months then that could mean you need an bad credit mortgage. Don't worry if you think you need an bad credit mortgage as there are now many bad credit mortgage deals available. The number of bad credit mortgage lenders has increased massivly over the past couple of years. The are now specialist bad credit mortgage brokers and bad credit mortgage best buy tables. There are even many different types of category from bad credit mortgage such as light bad credit mortgage, feather light bad credit mortgage, standard bad credit mortgage and heavy bad credit mortgage. An bad credit mortgage broker will be able to tell you which category is right for you and which lender is the best choice for you. By completing the short form below we will put you in contact with a broker who specialises in bad credit mortgage.