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   Poor Credit Rating Mortgages

Get a Mortgage Quote Any number of things can affect your credit rating and lead to you developing a poor credit history. A late payment on a credit card, a disputed bill, a CCJ, an IVA, difficulty meeting repayments on a loan or mortgage all of these can give rise to credit problems.

A poor credit rating can, in turn, make it difficult to obtain a mortgage or remortgage through traditional high street banks and building societies.

The reason for this is that the majority of lenders use standard credit scoring procedures when assessing an application for a mortgage or remortgage. This involves accessing your credit file and giving you a score based on its contents. Any instances of late or missed payments will reduce your credit score, and if you fail to meet the required minimum number of points, the chances are your mortgage or remortgage application will be declined due to your perceived poor credit history.

Fortunately, there are a growing number of mortgage lenders who specialise in arranging mortgages and remortgages for people with poor credit histories, and who will assess each case on its own merits. At Clean Slate Mortgages, we can help you find a mortgage broker who arranges mortgages and remortgages for people with a poor credit history, many of whom had previously given up hope of being able to obtain a mortgage.

Professional mortgage advisers can search the market on your behalf to find the most appropriate mortgage lender for your particular situation, taking into account the nature of your credit record.

For further information and a free no-obligation discussion, please complete our online mortgage enquiry form.


 

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