Mortgages now available at 95% LTV for clients with historical bad and adverse credit

Great news for clients with a 5% deposit who have a less than perfect historical credit record and who previously would have been refused a mortgage, now they may have the opportunity to get on board the property ladder. We do also have other lenders who will consider applications at 85 and 90% LTV where they are more flexible on the underwriting criteria. In very simple terms the bigger deposit that you have the better chance you have of being accepted and the terms would be more attractive.

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