Low Credit Score Mortgages
Mortgage Advice for those with a less than perfect credit history
Get a Mortgage with bad credit
If you have had previous credit blips but are now looking to try and get your first or new mortgage then whilst your options may be reduced there may still be mortgages available to you depending on your credit history.
Specialist bad credit mortgage lenders will take into account your borrowing history, repayment track record and overall financial position.
As a whole of market mortgage broker with access to specialist and mainstream lenders we can help you best identify which lenders are available based on your individual circumstances.
Life throws lots of challenges and more than ever before lenders are aware sometimes credit history and repayment track record may be less than perfect. It is our job as your broker team to work with you to understand your own circumstances, credit file and then present a recommendation best matched to those.
As a whole of market mortgage broker, with access to specialist lenders as well as high street lenders I can help you work through your options for getting a mortgage. The length of time you have been discharged will influence the choice of lenders available.
If you have previously had defaults, or still have defaults, registered against you this doesn't always mean getting a mortgage is out of the question. The number, value and dates of the defaults will have an impact on your eligibility.
The number of county court judgements, the date registered and the balances on each can all impact your eligibility for a mortgage. I can talk through your credit history with you and then research the whole of the mortgage market to present the best solution possible for your circumstances.
If you have previously had late or missed payments, whether these are on a mortgage or unsecured borrowing this will have an impact on the choice of lenders available. There are however mortgage lenders who will consider those who have missed borrowing repayments.
Debt Management Plans
Working with specialist lenders and with years of industry experience, I have access to mortgages to help those who have debt management plans in place.
The first place to start when reviewing your options if you have had previous credit blips is to review your credit report. Together we can discuss the information and agree a plan to help you get mortgage ready.
Working with specialist lenders to help you get the right mortgage
Pacific House Business Centre
Tel Carlisle Office:
Tel Newcastle Office:
Tel Annan Office:
01461 500 440
Proud to Partner with CFM
Financial Conduct Authority Approved: 947715
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE, OR ANY OTHER DEBTS SECURED ON IT.
There may be a fee for arranging a mortgage and the precise amount will
depend on your circumstances. This will typically be £350.00.
Any fee payable will become due on application and is non refundable.
Richard Jennings Mortgage Services is a trading style of Richard Jennings, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA Number is 947715.
Conveyancing and some forms of buy to let mortgages are not regulated by the FCA.
AS WITH ALL INSURANCE POLICIES EXCLUSIONS AND CONDITIONS WILL APPLY.