BAD CREDIT MORTGAGE CENTRE UK

Our specialist brokers are independent and not tied to any specific lender so they can give impartial advice on what really is best for you. Their commitment is to customer service and making the whole mortgage process as easy as possible. There is no obligation, so request a call back so we can help you get the very best mortgage advice.

Have you had a Mortgage Application Refused?

If you have already been refused a mortgage then it is probably due to a bad credit history, so please get some expert advice before you apply for another one. Every time you get refused it will harm your credit rating by lowering your credit score. This will then make it even harder to get a mortgage in the future because your credit status will be worse. You will need to find a bad credit mortgage to get around this problem.

Arrears, CCJ, IVA, Bankrupt or Facing Repossession?

You should still be able to get a special bad credit mortgage even if you have a credit status which would not normally allow you to get a mortgage. You probably fall into this category if you have payment arrears, a default notice, a county court judgement (CCJ), an individual voluntary arrangement (IVA) or if you are involved or have been involved in repossession or bankruptcy. If you are in this situation and are looking at remortgages you will need a bad credit remortgage.

Self Employed or Can't Prove your Income?

For anyone having trouble in providing proof of income then a self certification option will get around this tricky issue to ensure you can still apply to a lender for the mortgage you want.

Investing in Property?

Buy to Let mortgages are specifically designed for people considering investment in the property market and who then want to let their new properties out to tenants. A Let to Buy mortgage is also designed for property investment, but allows you to buy another home so you can keep and let out your previous one.

Need to Change your Lender?

One of the most effective ways to reduce monthly payments is to remortgage your property and start a new home loan with one of the best mortgage interest rates. This is a very popular option and is also a good way for homeowners to take equity out of their home and get some cash back for spending on other projects or just to clear bad debt, especially if you have mortgage arrears. If you have a poor credit history you will have to get a bad credit remortgage - so just give us a call.

Want to Reduce or Consolidate your Debt?

Good debt management is extremely important for everyone and a debt consolidation mortgage can be used to lower the total value of your combined monthly repayments. Talk to a broker now and get some expert personal finance advice.

Thinking of Moving Home?

Maybe you are looking to move home, and whether you have already found suitable properties or have just started thinking about it, we would always recommend that you get advice on the right mortgage at the earliest opportunity.

Buying your First Home?

Sometimes it can be difficult getting onto that first step of the property ladder as a first time buyer, so let a broker do the legwork and advise you on what really is most suitable for your individual needs. If you don?t have a deposit they may be able to get you a 100% mortgage.

For couples, groups of friends or different family members thinking of buying a property together a broker can help explain many of the complex decisions and resulting responsibilities, which will need to be carefully considered before entering into any type of joint ownership situation.

Another alternative to consider if you want to get started in property ownership is shared ownership, which allows you to live in your own home but where ownership is shared between you and a housing association.

What's Your Credit Rating?

Do you know your current credit score? If not, then get a free credit report and check it before you apply as it will directly affect your ability to get a mortgage and the interest rate you will pay.

Types of Mortgage Available

There are many different types of mortgage currently available and this is changing all the time. Several types of interest rate deals exist such as discounted or fixed rate mortgages, and there are other options which include a cash back facility. You can repay your mortgage using the standard repayment method or get an interest only payment option.

You can also get flexible mortgages that allow you to change your monthly repayments and others, such as offset mortgages, which allow you to link your mortgage to your bank account.

Are you a Council Tenant?

If you are a council tenant you may be eligible for the right to buy your council house or flat. We can provide you with all the information you will need to do this and our brokers can advise on a suitable mortgage and other solutions, which can provide funds for improving your new home.

Building it Yourself?

Anyone wanting to build their own home can achieve significant financial benefits. Our brokers can advise on the most suitable self build mortgage to get your project off the ground.

Secured Loan, Commercial or Overseas Mortgage requirements?

Our brokers can also arrange secured loans for any homeowner just wanting to raise some cash and commercial mortgages for businesses looking for property finance. If you are buying a foreign property then overseas mortgages for many of the more popular locations are now available.

Don't Forget about Insurance!

Finally, our brokers can review your situation and also recommend and arrange mortgage and home insurance plans. The options include buildings and contents, life insurance, mortgage payment protection (MPPI or ASU), income protection and critical illness insurance.