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Let us take the stress out of getting a mortgage with bad credit!
Maybe you have tried to get a decision in principle, or even been declined for a mortgage. Want to get the keys to the house of your dreams but you are worried about your credit report?
We offer a FREE CREDIT REPORT APPRAISAL to either get you ready for the journey, or figure out what is holding you back.
ALL WITH NO OBLIGATION AND NO IMPACT ON YOUR CREDIT SCORE.
Get StartedGet our FREE credit report appraisal without affecting your credit score!
Fill out your details and one of our friendly mortgage advisers will get back to you!
Let us take the stress out of getting a mortgage with bad credit!
With access to the whole of market, we can match a lender to your specific circumstances.. Here is what we do for you
Research, Research, Research
Starting with your credit report, we will analyse and pick apart the details, and match the details on the report to a range of lenders who can help. That gives us an idea of if we can get you a mortgage and how the case will likely play out.
Financial Appraisal
We will then collect all the information required to assess your financial position. Think of this like everything a lender will look at, but without going to a lender! At the end of this stage, we will know which of the list of lenders we researched will lend you what you need.
Get it all together.
We will collect all your documents in readiness to apply for a Decision in Principle, and ultimately an application. We do this so we can check what the lender will see when they ask for documentation – so again, making sure you are in the best place to be put forward for a mortgage.
Get it started.
Decision in Principle, through to Application and to Offer – we manage the whole process. As most of the work will have been done up front, its down to us to manage the flow of questions and requests from the lender to get to the mortgage offer.
Adverse Credit Mortgage FAQ's
We base everything on a full overview of your credit report. Each lender has different rules on what they will and wont consider, and we do the work to find the lenders that CAN help.
There is no difference between a standard mortgage and an adverse mortgage. It works the same way, with much the same process. Some lenders are more lenient than others, and as we can work with pretty much any lender, we can help!
Adverse credit can be anything from a missed payment, to Bankruptcy. And yes, we have found mortgages for both those (and people with defaults, CCJ’s IVA’s and DMP’s!) Even having no credit can be a barrier, but we can coach you through and help too!
When we check through your credit report, we will be able to see the detailed history and apply our specialist knowledge to match you to a lender who is most likely to accept an application for you. We will also coach you through how to improve the report and give you some insight into planning your mortgage journey as your report improves.
We recommend Check My File as a go-to credit report as it shows all three credit reference agencies.
There are 3 main Agencies – Equifax, Experian and Transunion – All three have free statuatory credit reports that we can work from.
Our initial consultation and assessment of your situation is always free of charge. If we are able to help, we will discuss if there are any fees to pay but if there are, they tend to be between £495 and £995 depending on the complexity of the case. Any charges will be discussed and agreed up front before we do any work with a lender on your behalf.
Are you ready for us to help?
Get In Touch NOWGet your FREE credit report appraisal
The first step of getting the keys to the house of your dreams, is understanding your credit report. We offer a free assessment of your credit report, along with your financial position without any impact on your credit score, and with no obligation. Whether you are just seeing what your options are, or are ready to move forwards, we are happy to help and will explain everything you need to know about your current position, what the likelyhood of acceptance for a mortgage is, and crucially, planning your mortgage future to get you back on track to the high street.
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No impact on your credit score
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Accurate insight into your specific circumstances
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Maximise your chances of being accepted
Get our FREE credit report appraisal without affecting your credit score!
Fill out your details and one of our friendly mortgage advisers will get back to you!
enquiries@1stcall4mortgages.co.uk
0800 0842285
