Bad Credit Mortgages we offer:

Subprime Mortgages

This is an area we certainly specialise in.

If you have had bad credit in the past registered such as missed payments, defaults, county court judgements, mortgage arrears, IVA or Bankruptcy.

You will more than likely require a subprime mortgage and we have specialist lenders that can help. Our advisers are experienced in this area and would be happy to help.

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Subprime Mortgages

Unfortunately events happen in life which can lead to bad credit being registered against your credit profile. Here we discuss how lenders view bad credit, what subprime mortgages are available and how to get them.


What is a subprime mortgage?

This is a mortgage that accepts clients that have had bad credit registered against them such as missed payments, defaults, mortgage arrears, County Court Judgements (CCJs) &/or bankruptcy.


Where do I find out if I have bad credit registered?

Your credit profile is recorded at credit agencies such as Experian or Equifax. You can visit these websites and request a copy of your credit profile. There is a company called Check My File which shows data from both these agencies in one credit report.


Why would bad credit have been registered against me?

Bad credit such as missed payments are registered against you as a result of you not keeping to the term of the agreement you took out with the credit provider. For example – if you took out a loan for 5 years, but during this period you did not make several payments on time, more than likely you have ‘missed payments’ recorded on your credit report.

If you missed many payments in a short time frame it is likely that the lender then registered a default against you and if they then went to court to try and recover the money owed this would be registered as a County Court Judgement (CCJ).

Your credit report is a payment history log of all credit that you have had over the last 6 years.

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What to Expect from The Money Hub

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

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Subprime Mortgage FAQ's

What is a Subprime Mortgage?
This refers to a mortgage which is available to clients who have bad credit registered such as missed payments, defaults, county court judgements &/or previous bankruptcy / Individual Voluntary Arrangement (IVA).
How much deposit would you need to get a subprime mortgage?
You will have to provide a minimum of 15% deposit, however it could be more. It all depends upon when the bad credit was registered, what type of credit was missed, have you since resolved the credit issue. Working with an experienced broker is important to find you a mortgage.
Where can you get a subprime mortgage?
These mortgages are provided by specialist mortgage lenders which are typically available through mortgage brokers. At The Money Hub we specialise in this area and have a large panel of lenders who provide subprime mortgages to clients.