We bring you the best possible mortgage deal whatever your cirumstances are.

Mortgage after bankruptcy

If you have a bankruptcy record and it is difficult to be accepted for a mortgage, our expert advisors step in and offer you the best deals regardless of your unique situation.

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Mortgage with CCJ

It is very unlikely to be accepted for mortgage with CCJ (County Court Judgment) on your credit file by most of the lenders. Our specialist advisors help you find the lenders who can lend and accept the application as long as your CCJ is satisfied.

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First-time buyers

It is impossible to be accepted the first time for a mortgage with a bad credit history. Our specialist lenders will be happy to lend you and you will be given suggestions according to your situation by our advisors.

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Guarantor mortgage

A guarantor mortgage is where someone else agrees to pay for your mortgage if you can’t. If you’re on low income, have a bad credit history, or can’t save money for a deposit then you might need a guarantor mortgage. Having a guarantor means you will have much better deals and low-interest rates.

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Late repayments

If you’ve made a few late repayments on a credit card, mobile phone, or utility bill, it can be difficult to get accepted for a mortgage. A late payment isn’t the same as a missed payment or arrears. A late payment is just that: a payment that you did make, you just didn’t make it on time. The difference is important for understanding how it affects your credit file. Our lenders would be willing to lend you enough though you have a history of late payments.

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Debt management plan

When you’re applying with debt management plan for a mortgage, a lender will understand your current financial situation and assess your affordability, as well as any other issues on your credit report. Our expert advisors can help you to find the right lender who’ll present your application in a way that showcases the steps you’ve taken to repay your debts and to prevent the same issue from happening again.

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Mortgage with a default

It is difficult to get mortgage with a default in past. Our experts have access to the specialist lenders who are willing to lend you if you fulfil their lending criteria.

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Low credit score

If you have a low credit score that means you have to pay higher interest rate, or you might not be able to borrow much, which means larger deposit up to 25% of the value of the property rather than the typical 10%. You can get accepted by the lender if you show your lender than you are trustworthy with regular repayments and budgeting.

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Remortgaging

The main issue of remortgaging with bad credit is you might not be able to get the good interest rates. So even though having bad credit can make it difficult for you, you shouldn’t be rejected. It’s just a case of finding the right lender.

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Repossession

If you’ve had a property repossessed in the past, it doesn’t mean it will happen again. It is unlikely to get mortgage as it will affect your credit score and most of the high street bank won’t be lending with such situation. Our specialist lenders will be happy to help considering some factor that effects the application like reason of repossession, when that happened, other credit issue etc.

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Office

149 Spon Lane, Birmingham B70 6AS

Contact

info@checkmymortgage.co.uk

Open Hours

Monday – Saturday: 8am – 6pm
Sunday: 11am — 4pm

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Remortgages

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Specialist mortgages cover complex mortgage requirements for specific needs, often when time constraints exist.

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