You CAN get a Mortgage
At mortgagesplease, we pride ourselves on helping borrowers in all situations. We usually only work miracles on Sundays, but one of our specialities is arranging mortgages for clients whose creditworthiness has been damaged over the years for any number of reasons.
There are dozens of ways in which a credit record can be damaged. Perhaps a failed business venture meant that debts could not be paid. Maybe you have had a long period out of work,leading to arrears building up. Sometimes even a forgotten parking ticket can lead to a Default or County Court Judgement (CCJ) and that can have a negative impact when applying for a mortgage.
However, our expertise in this area enables us to negotiate competitive deals for our clients. Bankruptcies, IVA’s (individual Voluntary Arrangements), CCJ’s, arrears or missed payments - whatever is damaging your credit record - we can normally find a way around it.
The choice of lenders and mortgages in this specialist sector of the market has increased dramatically in recent years; choosing the wrong mortgage could mean ending up paying considerably more than you actually have to. So good advice in this area is essential.
At mortgagesplease, we can often persuade underwriters at specialist lenders to approve a mortgage that might otherwise have been declined and - as with any of our clients and the products we deal with - we also ensure that your mortgage is the best for your circumstances. No less than 50% of our business is in the adverse credit field – understandable when one in four people are reported to have a default CCJ against them (and so have an adverse credit rating).
