Adverse Credit Mortgages

Having a low credit score can make your search for a good mortgage deal more challenging. When you make a mortgage application the lender will check your existing credit profile. They will usually consult a credit reference agency to see if you have any missed payments, county court judgements, defaults or anything else on your record that could impact their decision.

Different lenders have different rules though. Some will not accept any poor or adverse credit. Some will accept some, and some have special products for different situations. For an example a telecoms default will be be ignored by one mortgage provider whilst another will not lend at all.

Having an experienced mortgage advisor on your side who knows how each mortgage provider views adverse credit, and how that applies to you, will enable you to get the best possible deal for your circumstances.

The overall cost for comparison is 8.7%APR. The actual rate available will depend on your circumstances. This information is correct at time of publication but may be outdated.

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