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   BAD CREDIT MORTGAGES

Get a Mortgage Quote Advice, mortgage information and guides from mortgage brokers. Bad credit problems can make obtaining a mortgage difficult. Find advice, bad credit mortgages, information on poor credit mortgages, advice on mortgage arrears, guides on mortgages with county court judgements and solutions for bad credit mortgages through specialist mortgage brokers.

There are various ways you can end up with bad credit. You may have been late with payments on a loan, missed payments on your credit cards, got into arrears with your mortgage, had a CCJ registered against you, defaulted on a finance agreement, been the subject of an IVA, or been declared bankrupt.

However you got your bad credit, having bad credit means mortgage lenders may see you as someone who might be unreliable when it comes to keeping up repayments on a mortgage. You are therefore viewed as a higher risk and this means some mortgage lenders won't give you a mortgage.

But there are a number of specialists bad credit mortgage lenders in the UK, and by applying to one of these, you will have a better chance of obtaining a mortgage even if you do have bad credit.

Bad credit mortgages mean that even people who have had credit problems in the past, or been late paying their rent, can still have a chance of getting on (or moving up) the property ladder.

Bad credit mortgages are also known as sub-prime mortgages, adverse credit mortgages, or non-status mortgages.

Bad credit mortgages work the same way as normal (prime) mortgages, but they generally have higher interest rates to reflect the greater degree of risk that the mortgage lender is exposing themselves to by lending money to someone who has a history of bad credit.

But the good news is that, once you have been accepted for a bad credit mortgage, then so long as you keep up the repayments for three years or more your credit profile will reflect your improved credit standing. You can then look to move away from a bad credit mortgage by taking out a remortgage with a non bad credit mortgage lender.

One of the easiest ways to apply for bad credit mortgages is by using the services of a professional bad credit mortgage broker. The Clean Slate Mortgages site lets can put you in touch with a specialist bad credit mortgage broker - to get started, just complete our enquiry form.


 

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