Adverse Credit

People usually get a bad credit rating through having a County Court Judgment (CCJ) against them, or being made subject of an Individual Voluntary Arrangement (IVA), or through becoming bankrupt. In some circumstances defaulting on loans or other payments can adversely affect your credit rating too.

Having an adverse credit history doesn't mean you can't have a mortgage or re-mortgage your existing property. Many lenders are now prepared to offer mortgages to discharged bankrupts and people with CCJs, IVAs, or defaults.

Although these mortgages sometimes attract higher interest rates, options are becoming wider and more competitive all the time. We begin by looking at the major lenders to find the best deal. If these are not appropriate for you we will search the mortgage marketplace on your behalf until we find a competitive and suitable solution.

Our advice is impartial and without obligation.