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For most clients the future must seem very bleak having been made Bankrupt, with most products in Financial Services world being out of their reach. We are very proud and pleased to advise you that ONE YEAR after you have been discharged from bankruptcy we are able to offer you a mortgage facility provided that you have not had any further adverse credit since discharge. We can also make you smile, by advising you that each year thereafter, following discharge, the terms and conditions
One of our specialist lenders Precise, have made some very positive changes to their underwriting criteria which will now allow clients who have been in Debt Management to apply for a mortgage. How long ago the client was in Debt Management will have a bearing on the loan to value, and the indicative terms. But thank you Precise for this very positive move, to a more flexible approach to underwriting, arranging a Bad Credit Mortgage just got a little
So far this year we have seen four new mortgage lenders come to the mortgage market place, bringing new ideas and the one magic ingredient that we have been missing for so long, COMPETITION, Three of those lenders specialize in Buy To Let Mortgages, and the fourth one Pepper, are specialist lenders offering help in the sub-prime market. I think that this is the start of the change in mortgage lending as lenders will be forced to open the underwriting door a little wider to keep their market