FAQ'sFAQ's
csv freemortgageleadspackager
freemortgageleadspackager.co.uk is a uk mortgage packaging company offering mortgage brokers free mortgage leads for every packager mortgage case.
brokers get 2 free mortgage leads as athank you for using the mortgage packaging service for the mortgage packager
the mortgage packager offers free mortgage leads to help brokers generate more mortgage business
csv iva free
many people in an IVA dream of being IVA free, clearing their iva early maybe through offering to remortgage and clear their iva or through gifts form familly or fiends that might hekp them clear their iva early.
iva free can help people look at what they could offer the iva supervisors in full and final settlement of the iva, most iva supervisors are heppy to settle early as this means thier success ratio ie the number of IVA's that successfully complete is higher and they use this when trying to win business from lenders to take them on as the iva superviors.
if you want to make an offer to settle the iva then contact iva-free about how much to offer and they can check if you can remortgage to clear the iva
iva companys are not regulated by the fsa
Can I get a mortgage whilst in an IVA ( Individual Voluntary Arrangement) ?
Can I get a mortgage whilst in an IVA ( Individual Voluntary Arrangement) ?
Yes you probably can, if you are looking to purchase a property We would suggest you enquire with us first, so that we can advise on how much you can borrow and what deposit you will need. We will get you a fully approved decision in principle – so that you can be assured you can get the mortgage when your offer on a property is accepted.
Can I get a 125% or 100% IVA Mortgage ?
Can I get a 125% or 100% IVA Mortgage ?
NO you can't - in fact nearly all the 125% mortgages have disappeared anyway even if you had clean credit. Following the recent ‘credit crunch’ 100% mortgages are scarce and reserved for clean credit only newly qualified professionals such as Doctors or Dentists etc. The typical LTV you can get with an IVA is 85% - 90% maximum
How soon after my IVA can I get a high street mortgage?
How soon after my IVA can I get a high street mortgage?
Well after your IVA has been cleared a couple of years, more and more lenders will open their doors to you and rates should start to get more reasonable providing you continue to make your mortgage payments on time, but your IVA will remain on your credit file for upto 5 years after completion.
I have ccjs ( County Court Judgement’s ) can I get a mortgage
I have ccjs ( County Court Judgement’s ) can I get a mortgage ?
Yes you probably can, it all depends on how many ccjs you have , the value of the ccjs and when they were issued . We have some lenders that will ignore any amount of small ccjs providing they are less than £300 each and also lenders that will ignore ccjs if issued over 2 years ago. What bad credit lender will lend to you and to what amount is quite complex and is best handled by a specialist mortgage broker such as ourselves who can assess your bad credit history across 75 lenders and find the best deal for you.
I have defaults can I get a mortgage ?
I have defaults can I get a mortgage ?
Yes you probably can – again it all depends on how much the defaults were for and when they were registered and of course who they were with. Again the best thing is to enquire, tell us what bad credit history you have and we’ll compare 75 mortgage lenders deals for you in one enquiry.
I am a discharged bankrupt can I get a mortgage
Yes , we have bad credit lenders who will deal with discharged bankrupts – that means that so long as you are discharged and have the bankruptcy discharge papers to prove it – then we may be able to find the right mortgage deal for you. How much the lenders will lend, will depend upon how much you earn and your individual circumstances, including how long ago the bankruptcy was discharged etc – simply call us and we’ll see what can be done by comparing all our lenders to find you the best deal.
Can I get a high street mortgage?
Why don’t high street lenders offer bad credit mortgages ?
Some do to differing extents, often they will only lend to light adverse credit, eg a missed catalogue payment or default from years ago. It might be worth searching all the high street mortgage lenders to see which ones will lend to you based on your individual circumstances – or you can call us !
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