Bad Credit Mortgages Kent

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Bad Credit Mortgage in Kent

When it comes to buying a property in Kent, you have plenty of options to consider. According to Rightmove as of February 2021, the average price paid for Kent property stood at £377,372.

The most affordable area to buy property in Kent is Queensborough, with an average price of £191,323; while Langton Green is the most expensive place. The average price paid for a property in this area of Kent is £926,488.

If you are keen to buy a home in Kent, it is comforting to know there is a wide range of options. However, if you have bad credit, you might be worried about whether you can arrange a mortgage.

The great news is there are bad credit mortgage products on offer for homebuyers in Kent, and we can assist you.

Can I buy a house in Kent with bad credit?

If you hold a bad credit profile for any of the following reasons, we can help you:

  • Missed Payments.
  • Defaults.
  • County Court Judgements (CCJ).
  • Low Credit Score.
  • Satisfied IVA / Bankruptcy.

There is an extensive range of mortgage products to choose, and there is a growing range of mortgages aimed at people who suffer from bad credit. Many homeowners buy their home with a bad credit mortgage, and there is no reason why you cannot do the same.

A sensible starting point in determining your options is to obtain a copy of your credit report. You can do so from Equifax or Experian. With this information, we will be more than happy to assess your chances of arranging an affordable mortgage.

It is also good to know that schemes to help First Time Buyers get onto the property ladder are also available to clients that have bad credit registered, schemes such as:

The bad credit is recent – does this matter?

The timing of when the bad credit issue occurred does impact a lender’s appraisal of your eligibility for a loan. The lender will want to know when this occurred, what type of debt was it, why it happened and have you managed to resolve this.

It is not uncommon for some lenders to request a deposit of between 15% and 25% when there is a bad credit incident on your report. Of course, if the bad credit is older, it will have a lower impact.

However, many factors determine the final decision made by mortgage lenders, and there is no reason to think bad credit will prevent you from obtaining a mortgage to buy a home in Kent.

If you are looking for guidance on your mortgage options, please get in touch. We help arrange wide variety of products including:

How to explore your mortgage options with The Money Hub

Call The Money Hub Limited on 0203 725 5830 and speak to one of our highly specialised and dedicated Mortgage Advisors or you can complete an enquiry form which will allow you to schedule a call time.

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Bad Credit Mortgage FAQ’s

Many specialist lenders don’t use the clients credit score and instead review the actual credit report to determine whether the clients are suitable to lend to. An experienced mortgage broker can give you advice in this area.

There are many lenders that can help clients who have bad credit registered. Here are some of the lenders that work in this area:

  • Bluestone Mortgages.
  • Norton Home Loans.
  • Pepper Money.
  • Precise Mortgages.
  • The Mortgage Lender.
  • Together Money.
  • United Trust Bank.
  • Vida Home Loans.

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