We help borrowers with unusual or difficult circumstances get a mortgage or remortgage. You may have mortgage arrears, adverse credit, a CCJ or other debt problems. You may not have proof of income, and need to be self certified. We cover all regions i.e. England, Scotland Wales, Northern Ireland, covering remortgages, new home builds, home movers, tracker and flexible mortgages.

The mortgage enquiry form helps to speed up the enquiry process.

Adverse credit mortgages are for people who have an adverse credit history.An adverse credit history could include:

• County Court Judgements (CCJ's)
• Mortgage or rent arrears
• Self employed - Although you can apply for a self certificate mortgage
• Decrees (Scotland)
• Bankruptcy
• I.V.A
• Trust deeds

Mortgage lenders may also turn you down if you have changed address many times or if you are an entrepreneur without 3 years worth of audited accounts. Self-employed borrowers may have to apply for a mortgage via sub prime lenders but may also apply for self-certificate mortgages, meaning they declare their earnings without having a set guaranteed salary.

• There are more than 250 lenders in the UK;
• Offering over 4,000 different mortgage deals.
• There are fixed rates, capped rates, flexible mortgages, trackers etc.
• Rates from under 3.5% to over 7.5%
• Tie in periods with redemption penalties

So which mortgage deal is the best one for you?

Whether you are self employed, have credit problems or are looking to invest with a Buy to Let Mortgage we can help you find the best mortgage deal for you. Perhaps you want to remortgage to raise some money or get a lower interest rate. Or if you are buying a house you will appreciate our prompt and professional approach. So complete our no obligation mortgage enquiry form and one of our professional mortgage advisers will assess your case and show you the best deals available for you.

Having a bad credit history could mean that you have experienced county court judgments, mortgage arrears or even bankruptcy in the past. It could just be that you have made a minor mistake, such as a late payment that you did not even realise was significant. However if this is the case you probably fall into the category of bad credit history, when lenders come to do a credit check on you. Fortunately it's still likely that you could qualify for a mortgage whether it is through a high street lender or sub prime lender.

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