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 Mortgage Specialists is a trading style of Stephen McCarthy who is an Appointed Representative of Ingard Financial Ltd which is authorised and regulated by the Financial Conduct Authority No 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.

Ingard Financial Ltd, First Floor, Maple House, Park West, Sealand Road, Chester CH1 4RN.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.