Lenders see those with an adverse credit rating as a risk which often means that securing a mortgage deal can be much more difficult. However, just because you have suffered with adverse credit in the past, doesn’t mean you can’t secure a mortgage. There are some lenders on the market that specialise in mortgage products that are specifically designed for those with adverse credit.
Whether you have been recently hit with bankruptcy or regularly missed your credit payments, we have secured a wide range of adverse credit mortgages with great success for our clients. Regardless of your circumstances, we are with you every step of the way. So relax, be upfront with us and let our specialist mortgage brokers find the right deal that suits you.
Yes, it is possible to get a mortgage with an adverse credit rating. However, you may find your options are more limited than if you had a good credit rating. With access to many adverse credit mortgage deals, our experts will find you the most suitable mortgage.
Yes. The majority of mortgage lenders are only interested in your most recent credit activity. So, even if you do have a default on your file, our mortgage experts can still help find a mortgage thats right for you.
It is still possible to secure a mortgage even if you have missed payments in the past. There are lenders that will be happy to consider you even if you have missed multiple payments. You may just find that it is a little bit more difficult to secure a deal.
You may find it difficult to secure a mortgage with a CCJ on your file, but it is possible. Mortgage lenders who specialise in CCJ and adverse credit mortgages are more likely to accept you. However, they generally have higher interest rates.
It is possible to get a mortgage with a debt management plan, whether it is active or has been completed. Just like a standard mortgage application, most lenders will consider you if you can pass their general qualifying criteria.
There are many different lenders on the market that specialise in adverse credit mortgages. And, as independent mortgage brokers, we have access to a range of these lenders meaning we can help you secure a mortgage deal if you have adverse credit.