Adverse Credit

One in four people, or roughly 5 million households in the UK, experience problems when trying to get a mortgage or remortgage because they have some form of bad credit (or adverse credit).

Those people with poor credit history, for example - mortgage arrears, defaults, IVA's, Bankruptcy, County Court Judgements (CCJ's) and other problem debts should, with our help, be able to get an adverse credit mortgage.

When you apply with the high street lender they will run a credit check with a credit reference agency. If there are any problems with your history you will be a given a low rating, and will probably struggle to get a mortgage. However, there is an ever increasing number of lenders that do provide mortgages for people caught in this predicament.

The main reason people fall into this 'sub-prime' category is because they have had credit problems in the past and as a result have a bad credit rating. This doesn't mean that they have done anything wrong, it may have been caused by genuine reasons ie divorce.

It is all too easy nowadays to borrow money, sometimes with catastrophic results. Too much debt is taken on and then people struggle to keep up with the repayments.

Knowing that you have a poor credit rating can be a stressful feeling. But whatever the reason for it, we can attempt to help get that mortgage. We can help you find a mortgage even if you have been turned down elsewhere.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up payments on a mortgage or debts secured on it.

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