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			Have financial difficulties left you with bad credit? Looking for the right mortgage or remortgage deal? This site features information and resources to help you choose and attain finance for your home. Our advisers are ready and waiting to help you with your financial needs. Different deals suit different circumstances... our qualified advisers will ensure you get the appropriate mortgage or remortgage for YOUR situation.

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Get a bad credit remortgage

Mortgage of Remortgage with Bad Credit

Mortgage Lenders judge people with bad credit histories as a more risky lending option than those that have had no problems managing their financial committments in the past. This is reflected in the types of mortgage products they offer to people with adverse credit files. You may require an adverse credit product if you have have been affected by any of the following:

Bad Credit Indicators that lenders may look at:

County Court Judgements (CCJ's)

Arrears on existing loans

Missed Payments in the past

Discharged bankrupt

Payment defaults

Previous applications for credit turned down

Bad Credit Remortgage

Remortgaging with bad credit means that you may have to move to a very different mortgage product than you are currently on (rate higher, tie-ins, redemption penalties etc). Different products have different features, and it is important to choose a that best suits your circumstances. What should be important is getting a deal that is affordable and will enable you to re-establish a profile of clean borrowing to enable a more rate conscious future remortgage.

You may need to borrow through a specialist lender. As you have equity in the property it will be a faster and smoother process than if you were buying for the first time with bad credit.

Bad Credit Mortgage

If you know that you have had credit problems in the past you may know that you need to get an adverse credit status mortgage. If you are unsure whether your credit rating is good or bad it is possible to get a copy of your credit report from credit reference agencies.

Experian Consumer Help Service
Tel: 0115 976 4050
www.uk.experian.com

Equifax Plc
Credit Advice Centre
Tel: 08705 143700
www.equifax.co.uk

Bad Credit Mortgages involve interest rates that are higher than Prime Mortgages but they can be an ideal stop-gap while you get you feet back on the ground. By picking a flexible mortgage with limited redemption penalties you can plan to remortgage to a better rate when your credit rating has improved.

If you are looking to secure your mortgage or remortgage finance fill the form on the left or click the button below-