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COMPARE COMPETITIVE LOAN RATES

Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
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WHAT WE DO

We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

Customer Reviews

FREQUENTLY ASKED QUESTIONS

By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file for a qualified adviser to review. After a full review of your credit profile the adviser will discuss this with you, provide advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline our process going forward.
We have lenders that will accept clients who have had County Court Judgements (CCJ’s), Defaults, Missed payments, Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA) and discharged bankruptcy. The general rule is that any bad credit needs to be registered over a year ago.
Yes. You will need a minimum of a 10% deposit however, this is does depend on the level of bad credit that you have, so for example, if you have had CCJ’s/mortgage arrears in the last 2 years you may need to have 15%+ deposit. If you are buying a property through a shared ownership scheme we have lenders that do not require you to have a deposit. If you are buying a property through the Help to Buy scheme we have lenders that can help you providing you have a 5% deposit to put down.
Once a Decision in Principle (DIP) has been done the typical arrangement times from mortgage application to offer is 1 month. Specialist bad credit mortgages do take more time when compared to standard high street mortgages, due to the extra due diligence that is required on these cases.
No. We have lenders some of whom are high street Building Societies that will lend to you if you simply have a low credit score, due to not being on the voters roll or not having much active credit. If you have a low credit score as a result of bad credit (CCJ’s/defaults/missed payments etc) we certainly have specialist lenders that can help.
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now, we will explain why and provide advice as to what you need to do to be able to get a mortgage in the future.

Find Competitive Loan Rates

Taking a loan out with the best rate for you, is a serious financial commitment that could run anything from 1 year up until 25 years or even possibly more - so it is important that you take out a loan that is the most suitable and affordable for you. We specialise in finding competitive loan rates for our clients that suit their personal circumstances. However please take into consideration that the rates we offer will be dependent upon your individual circumstances. To ensure that you receive competitive loan rates, complete our online enquiry form which is located on our home-page and we will call you back more or less straight away to discuss your loan enquiry.

There are many reasons as to why you may be thinking of purchasing a loan, here are just some of the most popular purposes:

  • Home Improvements - New Kitchen / Bathroom / Extension / Loft Conversion / General Improvements.
  • Family Holiday.
  • Debt Consolidation - Consolidating all or some of your outstanding debts into one affordable monthly payment.
  • Business Loan - New Company start up or maybe you are looking to expand your existing company.
  • New Car.

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