Good news for Bad Credit Borrowers | A Mortgage Now

Bad credit mortgages – how your bad credit history affects your ability to secure mortgage lending.

Debt management plan mortgages from 4.69%

Debt management plan mortgages from 4.69%

Can I get a mortgage if I have a debt management plan? We have mortgage lenders who will consider applicants who have settled a debt management plan (DMP), and applicants who still have current debt management plans (DMP) in payment, and not yet cleared, or settled. Mortgage deals are available with highly competitive rates from […]

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Survey says good news for Bad Credit Borrowers

Survey says good news for Bad Credit Borrowers

Results of our bad Credit Mortgages survey Our recent survey of our bad credit mortgage enquirers has revealed a lot of good news that will help them to achieve their mortgage lending. Call us now for advice on bad credit mortgages on 020 8979 9684 Deposit Having a good size deposit is very important if […]

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Bad credit mortgages and Guarantors

Bad credit mortgages and Guarantors

Bad credit? Can a Guarantor help? Often, when speaking to bad credit mortgage applicants we are told that they have a Guarantor available to assist their application. A Guarantor is an individual who is prepared to put themselves forward to assist a mortgage application by agreeing to become responsible for the debt if the borrower […]

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What kind of debtor are you?

What kind of debtor are you?

How do you borrow? All day every day we speak to mortgage applicants with blemishes on their credit history – late payments, defaults, County Court judgements, debt management plans, bankruptcies and individual voluntary arrangements. The latest fashion is the payday loan, and we regularly see mortgage applicants who have no need of payday loans who […]

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Shared Ownership and First Time Buyers with bad credit history

Shared Ownership and First Time Buyers with bad credit history

Bad credit and affordable housing options We often get calls from first-time homebuyers who situation is complicated by a bad credit history, and income which makes overall affordability problem in the area which they wish to purchase. In this kind of scenario, the shared equity affordable housing options such as First Buy and Help to […]

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Mortgage letter of pleading

Mortgage letter of pleading

Plead your case A mortgage letter of pleading is sometimes requested by a mortgage lender to support a mortgage application where there has been turbulence on the credit file. If you have been asked for a mortgage pleading letter we outline below what you need to include – we hope you find this useful. What […]

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Bad credit mortgages for first time buyers

Bad credit mortgages for first time buyers

FTB? Bad Credit? Need a Mortgage? If you have a bad credit history and are a first time buyer seeking a mortgage you need to get specialist help. First time buyers with a bad credit history should note that high street lenders will not consider your case. Approaching a high street lender and allowing them […]

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Adverse Credit Mortgages Checklist

Adverse Credit Mortgages Checklist

Adverse credit? Need a mortgage? If you have adverse credit history and are seeking a mortgage there are options available to you via specialist mortgage brokers and lenders. If you can answer yes to the following seven questions you have a very good chance of obtaining a mortgage in spite of a poor credit history. […]

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Get debt free

Get debt free

Keeping debt down ‘Neither a borrower nor a lender be’ wrote Shakespeare some 400 years ago. But then he never had to buy a new van for work, or get the central heating fixed. For most people in the UK today, borrowing is a key part of their financial planning, whether it be through mortgages, […]

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Obtaining a mortgage if you have bad credit history

Obtaining a mortgage if you have bad credit history

Bad credit history tips Problems on your credit file whatever their nature, greatly reduce your chances of obtaining a mortgage in the current market. As a result, if you need a mortgage and you do have a history late payments, defaults, ccj’s, or worse, you need to approach the problem in the right way in […]

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