Adverse Credit

Bankruptcy,CCJ's,Defaults,Late Payments,Poor Credit History

When it comes to buying a home, some lenders can take on a rather sanctimonious attitude. They want to deal only with those who have faultless credit histories, perfect work records and adequate deposits. But money problems can affect everyone. Adverse credit problems can be linked to a loan default, county court judgements or being a discharged bankrupt.We have been helping discharged bankrupts for many years now. 

Has your current lender turned you away because of your credit history! Maybe you have popped into your local high street lender who has said that sadly they are unable to help you. That's great news for us because we could help you and your finances.

 We have a complete range of mortgages not dependent on your credit history. It may be that you have fallen on bad times and missed a couple of mortgage payments or it may be that things spiralled and you ended up going bankrupt.

 We have a large choice of lenders for discharged ex bankrupt mortgages. We have a large choice of lenders for discharged ex bankrupt mortgages.

   However, there is some good news in that some lenders are willing to provide adverse credit mortgages. Deals are unlikely to match standard mortgages; lenders in the adverse credit market - which is also sometimes described as 'sub-prime' or 'non-conforming' - will charge higher rates.

Your application will be thoroughly vetted and the interest set according to the risk the lender believes you pose.  You may also be subject to redemption penalties, but these should cease to apply after three years.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

There will be a fee for mortgage advice.
The precise amount will depend on your circumstances but we estimate that it will be £295

The Mortgage Corner Cheshire Limited is an appointed representative of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 192642). Registered Office: 20 High Street, Congleton, Cheshire, CW12 1BD. Registered in England and Wales, Registration No 4912909

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