bad credit mortgages

Had issues with credit in the past? Been declined by your bank for a mortgage because of credit history? Been told there aren’t any options available to you?

It’s a common situation that we come across daily. Not everyone has a squeaky clean credit history and fortunately there are lenders available that can assist with such matters. They are typically more in depth applications as the lender requires sight of more documentation making the process slightly longer however we are able to locate some solid solutions to assist in tricky circumstances.

What level of bad credit can be considered?

There are lenders on the market that can consider the any of the following current and historic credit problems:

  • Missed Mortgage Payments
  • Missed finance payments ie credit cards, loans
  • Defaults
  • C.C.J’s (Count Court Judgements)
  • D.M.P’s (Debt management plans)
  • Bankruptcies

The level of the debt issues will determine which lenders can consider and the interest rates applicable

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

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The Swansea Mortgage Broker is a trading style of The Swansea Mortgage Brokerage Limited which is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate some forms of buy to let mortgages

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