Bad Credit Mortgages
Late payment, arrears or problems getting a mortgage?
Poor credit or bad credit mortgages are similar to standard mortgages, they are intended for people with a poor credit history. Get information from First Class Mortgage Advice on the best bad credit mortgage deal for you.
Adverse Credit History?
These mortgages are specifically for people who have an adverse credit history and/or past mortgage arrears. If you have any County Court Judgements (CCJ's), mortgage or loan arrears, if you have an Individual Voluntary Arrangements (IVA) or if you have been made bankrupt, high street lenders may refuse your mortgage application because of your poor credit history.
A poor credit history does not mean the end of the road when applying for a mortgage or a secured loan, but to qualify you must satisfy the lenders' criteria. Some lenders may accept applications if the credit history is poor, but most will insist on a personal credit rating check.
Poor Credit Mortgages
If you are succesful in acquiring a poor credit mortgage, and maintain the lenders agreement by making regular repayments, after three years your credit history may no longer be considered as adverse. Thus providing an opportunity to remortgage to a regular mortgage product and enjoy significant savings on your mortgage payments.
We can help, with a little support and understanding, plus the best interest rates and deals in the UK we can offer peace of mind and a fresh start to move forward with our specialist packages. Contact us now without obligation and be delighted at the difference we can make, you’ve
Complete the easy enquiry form to the right and we will call you back, within minutes we could take that weight off your mind. With our no obligation service there’s no fuss, no hassle, just simple advice and guidance. Whether you are a first time buyer, a home mover or wish to remortgage we can help!
It may be possible to consolidate your debts and clear your commitments at the same time, reduce your outgoings, raise some cash, improve your home or take a break. We have considerable expertise in advising and presenting solutions even for bad credit mortgage situations.
Contact us using our online mortgage enquiry form and we’ll make sure you get the best poor credit mortgage deal available!
Don't forget you can always obtain a no obligation quote , free!
Mortgages Advice
First Class Mortgage Advice are independent mortgage advisors providing information on getting a mortgage. We are based in Edinburgh and provide services to Glasgow, Edinburgh, Stirling, Perth, Dundee, Aberdeen, Falkirk, Lothian, West Lothian, East Lothian, Midlothian, Scotland and throughout the UK.
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Telephone 0131 622 6622 | Your home may be repossessed if you do not keep up repayments on your mortgage.
"First Class Mortgage Advice" is the trading name of First Class Mortgage Advice Limited ©, a company registered in Scotland No.SC244163 whose Registered Office is Certax Accounting, 6 Stuart House, Eskmills, Musselburgh. EH21 1LA. Authorised and Regulated by the Financial Services Authority. Please note most buy to let mortgages are not regulated by the Financial Services Authority.
Fees will apply, you can choose how we get paid, either you can pay us a fee of between 0.3% and 0.4% of the loan amount and we will then also be paid commission from the lender or you can pay us a fee of £1200 and we will then reimburse to you any commission we receive from the lender. For adverse lending the overall cost for comparison is 6.7% APR.The actual rate available will depend on your circumstances. Ask for a personalised illustration.
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