Secured Loans?
Bad credit mortgages
Non-conforming, sub-prime or bad credit mortgages are becoming common
in today's mortgage environment and many of the mortgage lenders are now
offering very competitive mortgage products to cater for this growing
market.
We
can help with your bad credit history
we can help whatever your financial circumstances. We have a dedicated
'bad credit mortgages' team with specialist knowledge on providing mortgage
solutions for clients that don't typically fit the traditional lender's
criteria.
Our expert advisers take you through the steps to repair and improve your bad credit rating and will support you through the bad credit mortgage process providing you with first-class, independent mortgage advice on all the options available, whatever your situation; first-time buyer, home mover, remortgaging, buy-to-let or Right to Buy.We can help whatever the circumstances of your bad credit rating, including (but not limited to):
Mortgage,
secured loan and rent arrears
County Court Judgements (CCJs)
Defaults
Individual Voluntary Arrangements (IVA)
Discharged bankrupt
Repossession
Self-employed with no accounts
Re-mortgaging
Your mortgage may have been the best deal for your circumstances
at the time but is it still performing as well as it could?
Switch your mortgage and save money
Remortgaging is a good way to escape high variable or fixed interest rates
and more and more UK homeowners are moving their mortgages to save money.
Even if you have just come out of a special deal and are obliged to pay
a penalty if you change, do not be deterred, re-mortgaging often reduces
your monthly mortgage payment enough to still save you money in the long
run.
Buy-to-let mortgage advice and rates.
There are now more than 40 different mortgage lenders competing in the
buy-to-let market. Profit margins are being squeezed within the 'normal'
residential mortgage arena and lenders are now looking at the more profitable
buy-to-let sector to compete in. Lenders no longer view income-producing
residential properties as a commercial proposition.
What this means to you is lots of choice and some excellent buy-to-let mortgage rates.
Savings rates are diminishing and the stock markets are volatile! No wonder people are considering investing in bricks and mortar.
As
a general rule of thumb you will need a deposit of at least 15%. Go up
to 25% and you have a lot more choice.