YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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Poor Credit Ratings

When you apply for a mortgage or loan, one of the checks done is a credit rating check. Each lender has their own lending criteria and the credit check will show the lender any missed mortgage or loan payments, defaults or county court judgements, this information they would take into account before approving or declining an application.

There are two major credit reference agencies, Experian and Equifax. These companies hold a vast amount of information including financial and address details.

All lenders have their own underwriting guidelines while some may credit score others do not, also each lender accepts various degrees of bad credit.

The other factors which the lenders will look at is affordability, they do want to grant a mortgage to a client that cannot repay or afford the monthly repayments also what the loan to value of the new mortgage will be.

When you purchase or remortgage, the last thing you need is to apply to various lenders only to find that you do not meet with their lending requirements. This costs you time, effort and disappointment. Also each lender could do their own credit check which would show on your record.

By using our services and experience we can place you with the best lender and rate to suit your personal circumstances. We have access to all the UK mortgage lenders and can place you case fast and efficiently

So gives us a try there is no obligation and we will save you

TIME – EFFORT ---STRESS