Bad Credit Mortgages Chelmsford

  • Defaults Accepted.
  • County Court Judgements Accepted.
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Home » Bad Credit Mortgages Chelmsford

Bad Credit Mortgages Chelmsford

If you are based in the city of Chelmsford in the heart of Essex and are looking for a mortgage broker to provide you with mortgage advice you are in the right place.

What types of mortgages can you help with?

Our mortgage advisers provide telephone based mortgage advise to clients located in and around Chelmsford and we are able to help with a wide variety of client needs such as:

  • Bad Credit Mortgages – If you have had bad credit registered such as missed payments, defaults, county court judgements, low credit score, discharged bankrupt or settled IVA we have lenders who can help.
  • Self Employed Mortgages – If you are a sole trader, limited company or partnership we have lenders that can help. Perhaps you have only 1 years accounts – we have lenders who are happy to accept this.
  • First Time Buyer Mortgages – If you want to get on the property ladder we can walk you through how it all works and if you are considering First Time Buyer schemes such as Help to Buy or Shared Ownership we can advise you on how it all works.

Will having bad credit stop me from getting a mortgage?

Having bad credit registered will limit your options, however this does not mean it is impossible. We speak to clients often who have been declined by high street lenders and we have been able to source them a bad credit mortgage.

We have a large panel of specialist lenders who have tailored their mortgage products to help clients that have fallen outside of the high street lenders criteria.

What sort of interest rates are bad credit mortgages?

Unfortunately there is no straight answer to this question as it depends upon many factors such as:

  • How much deposit/equity you will have in your property.
  • The information surrounding the bad credit that you have registered, such as what type of credit did you default on, when did this take place, how much was the default for and have you since managed to resolve the issue.

Your mortgage adviser will be able to discuss all this with you and give you an idea of the interest rates you will be charged by the lenders.

How to arrange a bad credit mortgage?

By following these simple steps we will be able to identify what your needs are and provide you with suitable mortgage advice:

  1. Obtain a copy of your credit report. The 2 main credit agencies in the UK are Experian and Equifax. You can visit their website to review your credit report. There is a company called CheckMyFile who provide credit reports which contain the data from both Experian and Equifax, so this is a great place to start as sometimes your data across the two credit agencies can differ.
  2. Complete the above enquiry form and schedule a call with the mortgage adviser who covers the Chelmsford area. When you speak to the mortgage adviser we will ask you lots of detailed questions around your income and any debts that you have, so having a credit report and your payslips/accounts to hand is ideal.

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Bad Credit Mortgages FAQ’s

To get a mortgage from a high street lender you will need a good/excellent credit score, however there are lenders who credit check applications, but do not have a minimum score level to pass which is ideal for clients with a low credit score.

There are lenders that will provide mortgages to clients who have bad credit registered such as missed payments, defaults and county court judgements. The availability of mortgages will depend upon when the bad credit was registered, the amounts, have they been satisfied or remain outstanding. Speaking with a broker who specializes in this area is important.

Bad credit mortgages are provided by more specialist lenders which you can access through mortgage brokers.

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