Bad credit or complex case? There may still be a way.
Missed payments, defaults, a CCJ, an IRO, a previous IVA or simply an unusual situation. High street lenders often say no on credit score alone. Specialist lenders look at the full picture, and so do we. A 'no' from one lender is not a 'no' from the market.
- Adverse credit considered. Defaults, CCJs, missed payments, DMPs, IVAs and discharged bankruptcy.
- We start with your credit file. Understanding what is actually recorded is the first step to a real plan.
- Refinance and consolidation. Options to simplify payments where suitable and affordable.
- Honest, judgement-free advice. We tell you what is realistic now and what could be possible later.
Specialist case fee
Our fee for customers who have a poor history of managing their credit is £890, payable on application. This is in addition to any lender or product fees and is disclosed in writing before any application is submitted. You will always be told whether your case will be charged before any work begins.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Ready to get started with your mortgage?
Tell us a bit about your plans and we'll be in touch to guide you through your options. We aim to respond within 20 minutes!
Ves Doctorov Cert SMP
Owner & Principal Mortgage Adviser