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


How we work?
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.
What sort of bad credit do you accept?
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.
Do I need a deposit / equity?
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.
How long does a bad credit mortgage take to arrange?
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.
I have a low credit score – does that matter?
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.
I have been declined by other brokers – can you 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.

Wedding Loans

With the average UK wedding now costing over £27,000 its no surprise that finances are stretched at this special time. Not everyone has that amount of free capital available and often weddings can be sprung upon the unfortunates with not too much time to prepare? So whether you are planning to pay for some or all of your wedding yourself or have a smitten daughter keen to tie the knot, a wedding loan may be a necessary option.

What are the best options for a wedding loan, and where would you start to look for one? Well a wedding loan is like many other loans in that you can take out a loan and use the money for whatever you want to. The important thing to the lender is not what you are using the loan for but the ability to be able to pay it back. So the first things to consider in your search for a wedding loan will start with budget. Needless to say this is a very personal issue if you are contributing towards a wedding, but the bride and groom should pretty quickly have established what when and where and should have put together approximate costs at an early stage.

So, once armed with the amount that you need for your wedding loan, the next stage is to consider your personal circumstances. Is your credit rating of a sufficiently high standard to apply and be successful to get a personal unsecured loan? As the name suggests, an unsecured wedding loan is not secured on your property and is paid back in full over a period of a few years normally, matching the repayment period with your monthly budget. If the amount that you need to borrow is challenging your repayment ability then extend the loan over a longer period. You will pay more interest for your wedding loan but sometimes this is unavoidable.

A secured loan may be a good alternative to fund the wedding. A secured loan, as its name suggest is secured against your property. You need to own your home to apply for a secured loan, and have sufficient equity in your property to cover the loan in the event of things not quite working out. This will give the lender more comfort and security in granting the loan.

A further option is a guarantor loan if the other options are not readily available. A guarantor loan means that you take a loan yourself in the normal way but the loan is guaranteed by a guarantor. This can be a friend or family member. They usually need to be a home owner and will be responsible for paying off the loan should the applicant not be able to meet the payments for whatever reason.

Weddings bring plenty of things to think about and to organise. The financial element of a modern wedding can be significant and for things to run smoothly it is important to ensure that this side is taken care of as quickly as possible. Starting off a marriage with a wedding loan may not be everyones idea of a great married life but unfortunately it may be a necessity.

We use a broad panel of lenders to select the best financial products for our clients. Wedding loans are no different. By nature many newlyweds are not yet home owners which means that some loans are not available to them. So having all of the options explained fully by an impartial adviser is essential. We would be delighted to assist with your requirements, simply call or complete the enquiry form and we will get straight back to you.



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