It is estimated that one in four of us have, or have had, some poor or adverse credit issue at some time in our lives. Depending on what that issue is does not stop us getting a mortgage but it does mean we have to know where to look. If you have a current issue such as a CCJ (County Court Judgement), missed mortgage or loan payments, bankruptcy or IVA (Individual Voluntary Agreement) many of these products and services are not available via the High Street lenders and you need to seek independent advice to get access to these services.
Don't jump out of the frying pan into the fire. Speak to an expert!Your independent advisor should help you find a lender who will loan you the money (this may be at a slightly higher interest rate) but will also help you plan ahead. You should aim to try to achieve a sustained period of good credit history so that, in time, you can benefit from some of the cheaper deals available from the High Street lenders (this may typically take about 2 years). Ask your personal advisor about a Mortgage Management Scheme.
Resist the temptation of spending on credit or store cards (the interest rates they charge are phenomenal). Don't take out unnecessary loans, run up overdrafts or spend on things you don't need. The short term gain of these credit agreements will come back to bite you and your first priority must be to get your mortgage back on track and ultimately save yourself thousands of pounds by paying a lower interest rate.
To speak to an independent FSA (Financial Services Authority) regulated mortgage advisor now complete our no obligation enquiry form below. This service is completely free and your personal broker is under obligation to give you 'best advice' depending on your circumstances and requirements. Your personal independent broker may suggest other mortgage products to you that you may be unaware of.
If you have a poor credit rating, Solution Mortgages should still be able to arrange a poor credit remortgage, regardless of your credit history.
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