Sometimes people’s credit history isn’t perfect for a variety of reasons such as divorce, loss of job or illness. It may have resulted in you having a County Court Judgement (CCJ), defaults, missed payments or even bankruptcy registered against you and you may feel that you are not in a position to obtain a mortgage or remortgage your existing home.
Lenders are now able to take a much more flexible approach to how they view potential clients and their past credit history.
In fact lenders have been set up for this purpose and understand people can have times in their life when things don’t go perfectly.
Manchester Mortgages has access to all these lenders and can HELP !
This is the time when you need a whole of market mortgage adviser who fully understands your situation and is able to match your requirements with the most appropriate lender to your particular circumstances.
We have over 25 years of experience dealing with clients whose credit profile may not be perfect and specialise in arranging mortgages for people with past credit problems.
We are able to meet with you at a time and place convenient to you at your home or your place of work.
We will get a full understanding of your situation, what you are wanting to achieve and then research the whole of the market and make a full recommendation of how you should deal with the situation.
Once we have mutually decided and agreed the best way forward and you are ready to make a mortgage application we will help you complete the paperwork required and liaise with other parties involved in the process.
We will keep you fully informed how your mortgage application is progressing until completion and encourage you to ask any questions you may have.
We will also provide you with advice on how to protect your mortgage and mortgage payments should the worst happen.
Poor Credit? – Get our Free eBook – We know getting a mortgage can be a stressful and complicated business, so we’ve produced this handy 8 page guide to help you understand the mortgage borrowing process. Written in a simple and easy to understand manner, we explain:
- How to determine how much money you can borrow
- What criteria lenders use to asses your application
- Notes for self-employed, company directors, or people with poor credit histories
> To download our free guide, just click the icon to the right.
To discuss your personal mortgage requirements please ring 0161 706 0242 for an informal free chat or complete and send the Contact Us Form.
Here are a selection of case studies where we’ve successfully obtained mortgages for clients with poor credit and debt.
- Getting a mortgage if you have a poor credit history
- Getting a mortgage if you have a large amount of outstanding debt
- Case study where we consolidate a debt of over £1200 down to just over £800 per month
The overall cost for comparison is 5.39%. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Manchester Mortgages is a trading name of Mortgages 4U (North West ) Limited which is authorised and regulated by the Financial Conduct Authority (FCA register number 301076). Registered in England & Wales No. 4729252. Registered office: 7 Randale Drive, Bury, BL9 8HZ.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.