Bad Credit Mortgage Lending Criteria

The tricky one. Would you lend to someone if they had missed payments on their mortgage? Thankfully, there are lenders who will.

Many people I talk to are delighted to find that after talking to me they do qualify for a mortgage having been made Bankrupt.

Has Your Contractor Mortgage Been Declined? Special circumstances need a Specialist Contractor Mortgage Broker.

The main consideration a credit lender will want to know when looking at the CCJ’s on your credit file is the date they were registered.

Having been refused a mortgage isn’t the end of your home buying dream, but what you do next is very important.

Any Defaults registered over 2 years ago can be ignored, do not have to be repaid and you could borrow up to 100% of a property’s value.

I will help to prepare your applications, limit the impact of your DMP, and secure the finance needed to purchase your new home.

I know of 6 lenders that offer mortgages if you have a poor credit history. One of them will accept 5% Cashback from the builder as your deposit!

If you have equity in your home, you could arrange a remortgage to clear your IVA early by offering a reduced settlement amount to your creditors.

This is the tricky one! Understandably lenders are extremely wary of lending if you have previously had a property repossessed.

Mortgages are readily available from the High Street however many of them will only accept you if you have a clean credit history.

100% Mortgages Available! A Shared Ownership property can help you get on to the property ladder sooner as you only need a smaller mortgage.

Bridging finance really should be your last place for finance having exhausted family, friends, mortgage lenders and second charge lenders.

Do you need a loan but your existing mortgage lender has said no? The answer maybe a Second Charge Mortgage.

Each lender scores you differently, so this is more art than science, especially because lenders are tight-lipped about what they’re looking for.

I specialise in Bad Credit Mortgages for people who have a poor credit history because of any number of reasons.

I am a Whole of Market, Mortgage Broker meaning I can talk to every lender to see about finding you the right mortgage.

As a specialist Mortgage Broker for over 30 years I have a great deal of experience that will help save you time & money.

Lending Criteria