Adverse Credit Mortgages – Owner Occupied/Purchase/Remortgage etc.

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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Adverse Credit Mortgages

We have some new products available through our complex mortgage team which may interest you. Every case is bespoke and the details below are a guide rather than rules.

This is good old fashioned lending where the lender needs to get into the guts of the application rather than relying on ticking boxes and a credit score. If you have a mortgage you can’t place, please speak to our complex mortgage team. They can deal with the whole case for you, free up your time, and still pay average commissions of £1000.

Unlimited CCJ’s & defaults up to £10k
LTV 60% for IVA / DMP / BRO subject to being satisfied or settled with the proceeds of the loan
Mortgage arrears over 12 months ago may be disregarded
LTV 70% – 80% for minor adverse (up to £500 CCJ’s & defaults in last 12 months)
Min Loan amount £50,000
Max Loan amount £500,000
Type: Capital & Interest
Max term: 30yrs can go up to 35yrs (by exception)
Max Age at end of Term: 70yrs
No ERC’s
Fees can be added
Condition of all mortgages – all adverse must be settled with the advance
Rates: 5.24% to 8.24%
Income multiples: 4 times single, 3 times joint
If a client is a professional landlord can use profit from rental income but will need accountants reference or certificate
100% benefits considered

There are also products available for BTL’s. Details to follow shortly. I hope you find these products helpful.

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Whole-of-Market Guidance for Bad Credit Mortgages

Securing competitive terms on bad credit mortgages requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your bad credit mortgages options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

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Key Takeaways: Bad Credit Mortgages Summary

Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.

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