Adverse Credit Mortgages

Do you need a mortgage but have credit problems?

The widespread belief that having a bad credit history automatically means that you can't get a mortgage is just not true.

The time was, trying to get a mortgage if you had a bad credit history was extremely difficult, but nowadays it can be relatively straightforward to achieve a mortgage under these adverse credit conditions... to a great extent, it depends not only on the nature of your bad credit history, but on different lenders adverse credit mortgages policies.

Adverse Credit - Terms Used

If you are uncertain of any of the terms used to describe a bad credit history, or, indeed, if you are unsure exactly what constitutes a bad credit rating, please click this link for further information.

Check Your Credit Rating

The law entitles you to view the information that credit reference agencies hold about you. For further information, please click this link.

Having difficulty finding the right mortgage?
Or even a mortgage at all?

Do you have an adverse or bad credit history, with CCJ's, mortgage arrears or even bankruptcy or an IVA on your credit file.

Whatever the cause, be it CCJs, mortgage or loan payment arrears, bankruptcy or just a credit card late payment that seemed insignificant at the time, bad credit issues can limit a borrower's chances of finding a mortgage. Many High Street lenders are unwilling to consider lending to those with an adverse or bad credit history, often resulting in refused applications.

With an estimated one in four of the UK population having an adverse credit history, there are now many specialist lenders who provide mortgages and remortgages to those with bad credit. Some schemes offer a self-certification option.

Use our enquiry form to enquire with no obligation.