A bad credit mortgage is for borrowers with adverse credit, a poor credit score or low credit rating. Specialist mortgage lenders can provide loans to applicants with bad credit, however the rates and payments offered might be higher than for customers with clean credit history. It’s worth bearing in mind if you have enough income or a healthy deposit, it may be possible to find a competitive deal.
There are plenty of bad credit mortgages on offer from specialist lenders that are willing to be more flexible with their criteria and consider cases from individuals who have had arrears, defaults, county court judgements (CCJs), individual voluntary arrangements (IVAs), been placed on debt management plans or suffered bankruptcy in the last six years.
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Or you can also access this free from:
- ClearScore, offers you access to your credit report free for life through Equifax – https://www.clearscore.com/
- Credit Karma offers you access to your credit report free for life through TransUnion – https://www.creditkarma.co.uk/
Some of our lenders specialise in considering your personal circumstances where other other lenders will not lend. We are here to help you every step of the journey and we want to help you make buying your dream home a more affordable reality, you have peace of mind by contacting us and getting the very best mortgage for your situation. Let us help you make getting the keys to your new dream home a reality.
Your home may be repossessed if you do not keep up repayments on your mortgage.