Mortgage Arrears stopping you get a new mortgage? Mortgage Lenders do not like lending to applicants who have had a track record of missing mortgage payments. In fact, apart from not paying a tax bill, it is the single biggest detractor. Any status on your credit record apart from 'U', '0' or 'AR' must be 3 months old. One Mortgage Lender I use measures this time period by completion the … [Read more...]

Don’t let a CCJ stop you getting a mortgage At Niche Advice we will tirelessly to find the best mortgage solution for applicants with County Court Judgments (CCJs). What sets us apart is we do NOT charge upfront fees. That’s right we will do all the leg work and oversee your mortgage application right through to completion before we ask to be paid for our service. We understand that although … [Read more...]

Are satisfied ccjs ignored when applying for a mortgage? Firstly I must start by stating clearly I’m not a debt advisor and this article on clearing ccjs is written in the context of obtaining a mortgage or secured loan. The other thing to bear in mind is I will be generalising in my analysis of satisfying ccjs to get a mortgage. Every individual case should be discussed in full with a … [Read more...]

Refinance with a CCJ? Court court judgements are preventing me swapping my mortgage Things can get very tricky when you're looking to Refinance with a CCJ. County Court Judgements (CCJs) can put Mortgage Lenders off particularly if they have been registered recently. Don’t get me wrong there are remortgage options but these quickly diminish if the CCJ is very high or if there are a number of … [Read more...]

Obtaining a mortgage with a decree | Scottish equivalent of CCJs Too much gumpth can confuse when trying to get a mortgage with a decree registered against your credit file. I have therefore put together a simple Decree Mortgage Guide in an attempt to strip back the qualification rules to the bone. In truth the Scottish decree mortgage market is poorly served when compared to the English … [Read more...]

Bad credit mortgages at 4.5 times income If your looking to find out What the Income Multiples are for Bad Credit Mortgage products then you have found the right place. Mortgages are risk based, as such if there is a lenience towards bad credit then something else needs to give, normally the trade is a lower income multiple. In this article, I discuss how to maximise the income multiple even if … [Read more...]

If your looking for a Mortgage Broker to help you with a Mortgage with Bad Credit even with 10% deposit (90% loan to value) then you have come to the right place. If your mortgage request has been turned down by your bank we may have the perfect replacement lender and product. In fact, it’s currently one of our best sellers and rate for clients looking for a Mortgage with Bad Credit with low … [Read more...]

If your looking for a Mortgage with Bad Credit then your at the right place There are mortgage lenders that do not apply loadings for Mortgage with Bad Credit. That's right you do not have to be penalised just because you have had a credit issue when looking for a mortgage. Believe or not there are lenders that actively seek adverse credit customers in the hope of charging a premium . Lazy or … [Read more...]

Your guide on getting a Mortgage with a Default. Read below about how much deposit you need and what are the maximum limits on past defaults. The good news is I specialist in mortgages for customers with defaults on their credit file. The bad news is it really does depend on your affordability and the level of deposit you want to put down to get a Mortgage with a default. If you want to … [Read more...]