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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.

Manchester Mortgages have over 70 years of experience dealing with clients whose credit profile may not be perfect and specialise in arranging mortgages for people with past credit problems.

Poor Credit Mortgages

Why you need a good Mortgage broker for navigating poor credit mortgages

Mortgage lenders now take a much more flexible approach to how they view potential clients and their past credit history. Having poor credit is not a barrier to getting a mortgage. However there are a few more hurdles you’ll need to jump in order to get a mortgage approved.

An essential part is securing the services of a specialist poor credit mortgage broker like Manchester Mortgages. We recommend you avoid going to high street building societies and banks – they’ll just sell you their own products even when there are far better alternatives from other providers.

Unlike the self interested banks and building societies, Manchester Mortgages use all the poor credit mortgage lenders available. We’ll navigate the hurdles for you, speak to all the lenders, answer the difficult questions and secure you the best poor credit mortgage it’s possible to get for you.

How the process works

We’ll 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.

A few examples of how we have helped individuals and couples
secure a mortgage with existing poor credit.

First time buyers wanted to purchase their first property but one of them had bad credit history.

We helped arrange a mortgage for a new client who was on a debt management plan.

A couple had missed some payments on a catalogue which had caused a default wanted to secure a mortgage.