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Adverse credit

Adverse Credit & Debt Consolidation Mortgages

Adverse credit mortgages are for those who have had credit problems in the past. Whether you are able to get a mortgage will depend on the extent of your bad credit history and also how recent it is.

The main difference between an adverse credit mortgage and a mainstream mortgage is that lenders will normally charge you a higher rate of interest and need a higher deposit. The arrangement fee might also be higher. This is because the lender feels they are taking more of a risk with someone who has had bad credit in the past.

Before applying for a mortgage it is worth checking your credit file to ensure it is up to date and correct. We can show you how to do this.

Problems can occur with…

  • Mortgage arrears
  • Missed credit card, loan or other credit payments
  • CCJs (County Court Judgements)
  • IVAs (Individual Voluntary Arrangements)
  • Bankruptcy

 

Often, an adverse credit mortgage is used with debt consolidation, clearing all your other debts and moving onto one low monthly payment. For many this can be an ideal solution with a lower interest rate being charged but it is not necessarily the right solution for everybody and we recommend talking through your options with us.

An adverse credit mortgage may be the only one you can get now but by managing your credit correctly you will over time be able to improve your credit score and move to a mainstream mortgage.

NEXT STEP:
Give us a call on
0800 0337 235 to get
the best whole of market mortgage deal

Why Call Us?

We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.

Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.

Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.

As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.

These are deals not available to the general public or through price comparison sites that we have access to for you.

Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.

We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.

If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.

Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.

We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!

All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.

24 Hour Agreement IN PRINCIPLE PROMISE

Call us on 0800 0337 235 and we will apply for FREE to get you an agreement in principle from a lender within 24 hours, the vast majority of which are accepted straight away

Simple 4 Step Process

Call Us

Give us a Call or
Request a Callback

Search & Agreement

We confirm you qualify, search the whole of market to get the best deal for you & get an agreement in principle

Apply

We do all the
Application for you

Chase & Offer

We chase the lender
regulary so your mortgage offer is issued as quickly as possible

See What our clients Say

5/5

Could not be more pleased with the service from Chartner’s Independent Mortgage Brokers, always clear and concise information, and willing to go the extra mile in helping us make a smooth transition. Would highly recommend Dave and would use again should I have the need.

Sandra White

5/5

I have used Dave on both my properties for a couple of years now, extremely professional, manages to get me brilliant quotes all the time, on top of his customers reminding me when it’s time to remortgage. Highly recommended!!!!

Lisa Coulter

5/5

Very professional service. Chartners made our whole process run very smoothly and always on hand to answer questions. Wouldn’t hesitate to use them again. Thank you so much.

Caroline Butcher

5/5

Dave Samuels handled my mortgage with such expertise covering every element and ensuring I was informed of all the options available to me. We changed our mortgage deal to a new provider and it was completed in 2 weeks during the pandemic too. I highly recommend Dave to anyone.

Jason Cannon

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