Bad credit mortgages and non status mortgages

We are specialists in providing mortgages to people with bad credit. As brokers we are able to search the many lenders who offer this type of finance and get you the best deals.

What is bad credit?

It may be that you have missed payments in the past on a loan, credit card, catalogue or any type of credit that has monthly payments with a due date. Being late with payments is seen as bad by the lenders when they view your credit file and you will be marked down and less likely to obtain the finance you are looking for.

If you have completely failed to make payments on past borrowings, and the lenders concerned have pursued the matter through the courts, you will have one or more county court judgements (ccjs) registered against you. Again this will show up on your credit reference.

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What are non status mortgages?

Any type of finance where you are not required to provide proof of income is considered non status. If you are self employed without the necessary number of years accounts or have no proof of income for any other reason you are considered a bad risk by mainstream lenders and will have to look for a non status mortgage.

We are specialists in this area, dealing with people with credit problems on a daily basis. We have the knowledge of this sector and the connections with non status lenders to enable us to place this type of business.

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More about bad credit mortgages

Extra knowledge can be gained on this subject at Panic Mortgages - UK mortgages site for people with bad credit.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Secured loans are subject to status and available to homeowners aged 18 or over. Loans may be secured on your home. Calls may be recorded. Rates 7.9% APR to 19.6% APR Variable
The overall cost for comparison is 11.9% APR Typical/Variable.