People with a poor credit rating or no previous credit history can get a mortgage, even though in many cases they have been turned down elsewhere. The same can be said for the self employed who now have much greater choice.

The attitude of lenders towards people with bad credit has changed immensely in recent years. Today there is a plethora of responsible lenders who will treat every case on its individual merits, and a bad credit history is certainly no longer a barrier to getting a mortgage or remortgage.

Whether you're self employed, have an irregular income, CCJs, mortgage arrears, defaults, are a discharged bankrupt or have unusual personal circumstances, getting a mortgage needn't be a problem. 

Simply contact us for a FREE no obligation quote. 

An independent mortgage advisor has access to the entire market and  independence means they can locate the best deals for your particular situation. 


Mortgages with poor credit rating

CCJs
Mortgage or rent arrears
Discharged bankrupt
Previous loan or credit defaults
Missed payments
Refused or declined elsewhere
No previous credit history
Mortgages for people with low credit score
Bankruptcy or Individual Voluntary Arrangement  (IVA)

Mortgages for the Self Employed

Mortgages which require no accounts 
Self certification mortgages
No proof of income
Recently self employed
Contractors
Freelancers
Seasonal workers
Income from multiple sources
Low net profits
Overcome a poor credit score

A chequered financial history will harm your credit score when a lender undertakes a credit check. Many people, for a huge number of reasons, suffer with a low credit score. The majority of them have defaulted through no fault of their own - illness, redundancy and relationship break-ups are the cause in a vast number of cases. For many traditional lenders, this would not be acceptable and they'd expect you to have a perfect credit record.

However specialist lenders offer transparent and good value mortgage options to consumers who are not catered for by traditional lenders. Many sub prime lenders are specialist divisions of the big high street banks. 
Contact us now for a FREE no obligation quote
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