Do you have past adverse credit on your credit file which is affecting your ability to get a mortgage? Are you worried that you will be unable to get a mortgage due to your past issues and would like some helpful advice before you commence the mortgage process? We are here to take the worry out of getting the mortgage you need whilst taking in to account any credit issues you may have!
There are various ways in which your credit file can be affected to such an extent that it hampers your ability to be accepted by a high street bank or building society for a mortgage. We at Mortgage Force West Midlands use our specialist knowledge to assisting customers with a non-perfect credit history to achieve a solution to their mortgage needs. We have access to an extensive number of mortgage lenders who specialise in customers with adverse credit ranging from a one off late payment up to customers who have previously been subject to an IVA or bankruptcy.
There are various ways in which your credit file can be affected to such an extent that it hampers your ability to be accepted by a high street bank or building society for a mortgage. We at Mortgage Force West Midlands use our specialist knowledge to assisting customers with a non-perfect credit history to achieve a solution to their mortgage needs. We have access to an extensive number of mortgage lenders who specialise in customers with adverse credit ranging from a one off late payment up to customers who have previously been subject to an IVA or bankruptcy.
- Missed or late credit payments.
- Previous mortgage arrears (if now cleared and up to date).
- Current account arrears.
- Defaults on credit accounts.
- CCJ’s (whether settled or not).
- Debt Management Plans (whether settled or not).
- Individual Voluntary Agreements.
- Bankruptcy.
- Debt Relief Orders.
- Scottish Trust Deeds.
Expert advice will be given along with quotations and illustrations for qualifying mortgage products and deals, subject to customers passing the lenders affordability.
Whilst technically a Payday loan is not a form of adverse credit, the use of such a loan can adversely affect your mortgage application.
