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.

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The Property Specialists Limited are appointed representatives of Ingard Financial Limited who are Authorised and Regulated by the Financial Conduct Authority 450731.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee of £250 for the mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £250.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.