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If you’re worried about a poor credit score or you've had missed payments, CCJ’s, IVA’s or bankruptcies, you needn’t be.
Of course, a poor credit score may affect your ability to obtain a mortgage but surprisingly, it also may not. Lenders take into account various factors when agreeing a mortgage and if there are other positive aspects to your application, such as a large deposit or a decent amount of equity in your property, this may be enough to push your mortgage over the line.
At The Right Advice, we have a specialist poor credit mortgage adviser who has heard it all before, so there is no need for you to worry about your credit history. They are sympathetic to whatever issue you have faced and will aim to provide you with The Right Advice to get you back on track.
What’s more, our initial appointment is fee free with no obligation.
Contact us, you'll be surprised at how easy it is!
Of course, a poor credit score may affect your ability to obtain a mortgage but surprisingly, it also may not. Lenders take into account various factors when agreeing a mortgage and if there are other positive aspects to your application, such as a large deposit or a decent amount of equity in your property, this may be enough to push your mortgage over the line.
At The Right Advice, we have a specialist poor credit mortgage adviser who has heard it all before, so there is no need for you to worry about your credit history. They are sympathetic to whatever issue you have faced and will aim to provide you with The Right Advice to get you back on track.
What’s more, our initial appointment is fee free with no obligation.
Contact us, you'll be surprised at how easy it is!
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
When it comes to poor credit, every Lender has different criteria, for example, one may completely ignore a small CCJ, regardless of when it was registered and another may ignore a large CCJ that is a few years old. At The Right Advice, we are experts in lending criteria so we know who will likely accept you based on your credit history and who will not.
Generally speaking, mainstream lenders start to take a more positive view on bad credit the older it is and some may completely ignore bad credit when it’s a few years old. If you have however had missed payments or bad credit in the last few years, there are specialist lenders that may be willing to lend. Specialist lenders are just as reputable as mainstream lenders, they are all regulated by the Financial Conduct Authority, so you can rest assured you’re in safe hands. The main difference however is that they may offer slightly higher interest rates and fees to reflect their flexible approach to poor credit.
Generally speaking, mainstream lenders start to take a more positive view on bad credit the older it is and some may completely ignore bad credit when it’s a few years old. If you have however had missed payments or bad credit in the last few years, there are specialist lenders that may be willing to lend. Specialist lenders are just as reputable as mainstream lenders, they are all regulated by the Financial Conduct Authority, so you can rest assured you’re in safe hands. The main difference however is that they may offer slightly higher interest rates and fees to reflect their flexible approach to poor credit.