Our expert team can assist you in finding the perfect Mortgage. We conduct a whole of market search to match you with the perfect lender.
Adverse Credit Mortgage Brokers
There are many forms of adverse credit, such as late or missed payments, defaulted accounts, and count court judgements, just to name a few. As expert adverse mortgage advisers, we are perfectly equipped to in navigating the market to find a mortgage deal that suits your needs.
We understand the challenges of obtaining a mortgage in more complex scenarios, such as a bad credit situation, but with our vast experience and comprehensive approach, this has led to us having a proven track record of securing our clients mortgages when poor credit is applicable.
Am I able to get a mortgage with bad credit?
Whilst having bad credit does affect your chances, yes, it is possible to get a mortgage with a bad credit history. However, the available options will likely be limited, but we are able to search the whole market to find you the best deal.
When applying for credit, no matter what type, there will always be a credit check run against you. Some of your credit history will carry more than others and affect your application depending on the amount you are looking to borrow, and the period elapsed since the mark has been on your credit file.
With bad credit, the vast majority of high street banks will refuse to give you a mortgage, whilst building societies can often prove more flexible. Fortunately, Pinnacle have access to the whole of the market and can help approach the right lender for you.
Let’s discuss your mortgage options!
If I have a CCJ, can I get a Mortgage?
With regards to a CCJ there are two things to consider. Firstly, is the CCJ settled or unsettled? Secondly, when did the incident occur? Depending on the answers will dictate where you would fit in a lender’s criterion. Depending on acceptance you would still need to meet the product criteria, such as minimum deposit level and/or minimum property value.
How can Pinnacle help you?
We know it can feel exasperating trying to obtain a mortgage with poor credit, especially when the incident(s) in question are historic. Here at Pinnacle we are able to help you secure a mortgage for your new home, whilst giving you helpful advice every step of the way. Reach out to today and speak to one of our friendly mortgage brokers who will guide you through the process from start, to completion, and beyond.