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Get a Mortgage Quote Credit problem mortgages Adverse credit problem mortgages. Advice, mortgage information and guides from mortgage brokers. A history of adverse credit problems can make obtaining a mortgage difficult. Find advice, information, guides, mortgages with adverse credit problems, information on mortgages with poor credit history, advice on mortgage arrears, guides on mortgages with ccjs and solutions for mortgages with bad credit through specialist mortgage brokers.

We can put you in touch with specialist Mortgage Brokers who have solutions for almost every circumstance.

Lots of people experience problems getting a mortgage or remortgage because of current or past credit problems. Credit problems can include:

  • Bad debts
  • Late payments on credit cards or loans
  • Mortgage arrears (perhaps resulting in repossession)
  • Defaults
  • CCJ's (County Court Judgements)
  • Being a discharged bankrupt
  • IVAs (individual Voluntary Arrangements)

Having credit problems like these means that many mortgage lenders will be reluctant to give you a mortgage or remortgage.

Some people assume that people with credit problems only have themselves to blame. They believe these people with credit problems must have brought it on themselves by deliberately missing payments on loans or ignoring bills that they knew they had to pay. In actual fact, most people with credit problems found themselves getting into financial difficulty through no fault of their own. Very often it is the loss of earnings associated with redundancy or long-term sickness which leads people to develop credit problems. This means credit problems are something which can affect people from all walks of life.

It is quite common for people to have credit problems as a result of previous financial difficulties. Even though those financial issues may now be fully resolved, it is still very easy to be left with a poor credit rating as a result. And this can lead to credit problems for many years to come when trying to take out a new mortgage.

But if you have got credit problems, you shouldn't give up hope of obtaining a mortgage or remortgage. To some mortgage lenders, your situation might not appear as bad as you think it is. Therefore you may have a greater range of mortgage options available to you than you first thought.

Every mortgage lender has different ways of looking at mortgage applications from people with credit problems. Therefore, it makes sense to shop around when looking for mortgages with credit problems. One way to shop around without the hassle is to let Clean Slate Mortgages put you in touch with a specialist mortgage broker who can help you in your search for a mortgage with credit problems.

To find out more, please complete our online enquiry form.


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