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A Mortgage 4 You Services

Bad Credit Mortgages

See how we could help you if you have bad or adverse credit. Browse our bad credit mortgage products.

Mortgages

We offer a wide range of mortgages & have access to whole of market lenders, see how we can help you.

Buy to Let

We offer an array of buy to let mortgage products with competitive rates & HMO options.

Bridging Finance

If you are looking for a bridging loan or development finance we can help, competitive terms & starting rates.

Bad Credit Mortgages

Specialists in Bad Credit Mortgages

YES

The very positive news today is that we can now arrange a mortgage for you even if you have historical Bad Credit and depending upon when the issues occurred, we can now reach 95% LTV, subject to the lenders internal credit score.

A MORTGAGE 4 YOU

We’re Specialists in Bad Credit Mortgages who Love to say Yes!


This is such good news for First Time Buyers (FTB’s) who may struggle to find more that a 5% deposit as this opens the door a little wider to allow FTB’s to get their foot on the property ladder to take advantage of the current market conditions which favour buyers with the opportunity to purchase below market value where the market is relatively quiet and vendors are desperate to sell.

With over 40 years combined experience in Financial Services we have the experience and the knowledge to be able to see very quickly if we can help you, and what terms are likely to apply.

We are here to help you if you have late or missed payments on unsecured credit agreements, credit defaults, County Court judgements, you have been, or are in a Debt Management Plan, you are a discharged Bankrupt or have been in an IVA and even historical mortgage arrears. If there is a lender out there who will help you, we will know who they are from our own extensive knowledge and a data base which is supported with a very sophisticated sourcing system that monitors any change in lending criteria.

Let us assure you, if it can be done, we will do it. We are not here to waste anyone’s time; we want to help you achieve your goals in getting that mortgage you are looking for.

What is the first thing that you should do to start the process of looking for a mortgage ?? Get an up to date copy of your credit file, which you can obtain from;

www.equifax.co.uk or www.experian.co.uk

The cost will be a one-off payment of £2 by a debit card. Why do we need you to access your credit file? Because we can then view the same level of information as any underwriter at the lender, and it will allow us to guide you accurately to the correct lender with the most attractive terms based on fact.

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Can our lenders help in this difficult market?

You will find with our lenders that even in this very difficult market, our lenders want to help you if they can. What we have seen in 2016 and 2017 , and we know will continue in 2018 and beyond, is the new breed of Challenger Banks coming to the market, with niche products and a flexible lending criteria. Most people will have a financial dip in their lifetime, but it is how you have dealt with that dip that matters. If we can assure our lenders it was a one off event in your life, over which you had no control, they will make an informed decision to lend whenever they can. Consistent bad payers will never change, and it is not them that we are looking to help.

We have an excellent relationship with our lenders for introducing to them good clients, who may have been down but are now very much back on the way up. It’s you that we want to help, and if it can be done we will do it.

A MORTGAGE 4 YOU

Helping Clients With A Bad Or Poor Credit History

We now have a very new and different breed of lenders who will credit check and find any adverse credit, but the decision to lend is made by an underwriter who can take a view based on the client’s credit history, the loan to value and any circumstances or event that may have been beyond the client’s control. I think that I would call it commonsense lending, that wonderful word that has almost disappeared from our language.

What are the issues that will impact any lenders decision to lend?

Late or missed payments on credit arrangements

Mortgage arrears

Defaults on credit arrangements

Poor conduct of your bank account

County Court Judgments ( CCJ’S )

Previous repossession

Bankruptcy

Individual voluntary arrangements.( IVA )

Debt management plans

Length of time in current employment or self employment

Using a high percentage of your available credit limits

Not appearing on the electoral roll

Using Pay Day Style loans

Not being in control of your finances

 

 

 

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