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   MORTGAGES - BAD CREDIT

Get a Mortgage Quote Mortgages with a bad credit history through specialist mortgage brokers. A bad credit history can make obtaining a mortgage difficult. Find advice, information and guides on bad credit mortgages, information on poor credit mortgages, advice on mortgage arrears, guides on mortgages with credit problems and solutions for bad credit mortgages through specialist mortgage brokers.

There are all sorts of ways someone can end up with bad credit. Maybe you were late with payments on a loan, missed one or more of your credit card payments, got into arrears with your mortgage, had a CCJ registered against you, defaulted on a hire purchase or other finance agreement, have been the subject of an IVA, or have been declared bankrupt in the past.

Mortgage lenders may see someone with bad credit as being potentially unreliable when it comes to keeping up repayments on a mortgage. If you have got bad credit, you are therefore viewed as a higher risk and this means some mortgage lenders won't give you a mortgage.

But some mortgage lenders in the UK specialise in mortgages for people with bad credit, and by applying to one of these lenders who offer mortgages with bad credit, you will have a better chance of obtaining a mortgage even if you do have bad credit.

The availability of mortgages with bad credit 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.

Mortgages with bad credit are also known as adverse credit mortgages, bad credit mortgages, sub-prime mortgage, or non-status mortgages.

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

But for people considering a bad credit mortgage, there is some good news. Once you have been accepted for a mortgage with bad credit, 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-adverse mortgage lender.

One of the easiest ways to apply for mortgages with bad credit is by using the services of a professional mortgage broker who specialises in helping find mortgages for people with bad credit. 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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