ADVERSE CREDIT MORTGAGES

Call Me on: 01494 526400 or send a message to: steve@snmortgages.co.uk

Steven Neale

Steven Neale

Finding a mortgage if you have a bad credit history is difficult and has to be approached very carefully because of the shortage of lenders in this market. Having the advice of a qualified Mortgage Adviser will greatly enhance your chances.

With only a few sub prime lenders to choose from, getting it right first time is very important.

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Lending Criteria

MORTGAGE WHEN YOU HAVE ARREARS
MORTGAGE WITH ARREARS

Unlimited mortgage, secured or unsecured arrears if over 12 months ago but none missed in the last 12 months and up to 75% LTV
MORTGAGE WHEN YOU HAVE CCJ's
MORTGAGES IF YOU HAVE CCJ's

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.
DEBT MANAGEMENT PLAN MORTGAGES
DEBT MANAGEMENT PLANS

I will help to prepare your applications, limit the impact of your DMP, and secure the finance needed to purchase your new home.
RIGHT TO BUY MORTGAGES
AFTER A REPOSSESSION

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

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

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

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

Some lenders are OK to lend if you are in a Debt Management Plan providing you have kept the payments up to date.
MORTGAGE WHEN YOU HAVE DEFAULTS
RIGHT TO BUY

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

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

Has Your Contractor Mortgage Been Declined? Special circumstances need a Specialist Contractor Mortgage Broker.
MORTGAGE AFTER A REPOSSESSION
MORTGAGE WITH DEFAULTS

Any Defaults registered over 2 years ago can be ignored, do not have to be repaid and you could borrow up to 95% of a property’s value.
MORTGAGE WITH AN IVA
MORTGAGE WITH AN IVA

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.
SHARED OWNERSHIP MORTGAGES
SHARED OWNERSHIP

A Shared Ownership property can help you get on to the property ladder sooner as you only need a smaller mortgage.
BOOST YOUR CREDIT SCORE
BOOST YOUR CREDIT SCORE

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

3 REASONS TO ASK ME TO ARRANGE YOUR MORTGAGE

Years of Experience

I specialise in bad credit mortgages – mortgages for people who have a poor credit history because of any number of reasons.

Choice of Lenders

I am a whole of market mortgage broker meaning I can talk to every lender to see about finding you the right mortgage.

Saving You Money

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

Contact Me

La Cachette, Upper Stanley Rd
High Wycombe, Bucks HP12 4DB
 
T: 01494 526400
 
M: 07949 713563
 

My Fees

My fee for arranging a mortgage is 1% of the mortgage amount with a minimum fee of £1,995.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

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