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Bad Credit Mortgages
Bad Credit or IVA -You are not alone! We help point people in the right direction every week who need affordable bad credit mortgages or iva remortgages and have some form of bad credit history, from ccj's through to defaults, arrears, IVA's and ex-bankrupts, so we just might be able to get you onto a better Bad Credit Mortgage deal. Let our partners affordablemortgages.co.uk find you the best Bad Credit Mortgage deal from over 70 Banks, Building Societies and Specialist Lenders with just 1 simple enquiry or call to them on 0844 800 2789 ( UK Mortgages Only) . There's no need to search around anymore as they should be able to find you the best deal for you. IVA mortgage help
Bad Credit Mortgage ?
IVA, CCJ's or Defaults ?
Mortgage Arrears or late payments ?
Bad Credit Mortgage Help
They have years of experience of helping people in your situation. They will treat you with care and respect and will not pressure you into doing anything. Many of the IVA mortgage & Bad Credit Mortgage lenders only accept business through registered intermediaries & packagers such as ourselves. In coming to us you'll get access to some exclusive deals not available in the high street or to other brokers. Discount, fixed rate, fee free, free valuation we can search across them all with just 1 simple enquiry. IVA mortgage help
Years of experience helping people in Bad Credit Mortgage & IVA Mortgage situations
Bad Credit Mortgage Questions?
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 ?
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 have an IVA ( Individual Voluntary Arrangement) can I get a mortgage ?
Yes you probably can – but to save repeating ourselves – have a look at the iva mortgage page !
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.
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 !
Can I get an Instant answer ?
Mortgages are complex financial decisions there are around 33 different criteria that ALL must be met to fit onto a lenders particular product - and although we can give you some level of re-assurance, we need to get all the information regarding your income, outgoings and credit history etc before we can really answer this. Your mortgage is probably the largest financial decision you have to make ( apart from buying that yacht ! ), so it makes sense to make sure we get it right for you.
I have mortgage arrears – can I remortgage ?
There are two key items we would advise on mortgage arrears, 1. Don’t wait until you’ve missed the last 3 months and have repossession orders issued before you ask for help. 2. The more distant the mortgage arrears the better mortgage rate you are likely to get. Again it all comes down to how much you need to borrow, the property value and when the arrears happened. Lenders view mortgage arrears dimly, let’s face it if you’ve failed to pay your previous mortgage it does present some risk to any new lender. We would need to assess your case and if you are consolidating some debts releasing more money to pay for a mortgage then it might be possible. If at all possible try to make sure you have paid the last 2 or 3 mortgage payments.
Bad Credit Mortgage They Search - YOU Save !
Let affordable mortgages find you the best iva mortgage or bad credit mortgage deal from over 70 Banks, Building Societies and Specialist Lenders with just 1 simple call on 08440 800 2789 .