Adverse Credit

Adverse Credit & Debt Consolidation Mortgages

Adverse credit mortgages are for those who have had credit problems in the past. Whether you are able to get a mortgage will depend on the extent of your bad credit history and also how recent it is.

The main difference between an adverse credit mortgage and a mainstream mortgage is that lenders will normally charge you a higher rate of interest and need a higher deposit. The arrangement fee might also be higher. This is because the lender feels they are taking more of a risk with someone who has had bad credit in the past.

Before applying for a mortgage it is worth checking your credit file to ensure it is up to date and correct. We can show you how to do this.

Problems can occur with…

  • Mortgage arrears
  • Missed credit card, loan or other credit payments
  • CCJs (County Court Judgements)
  • IVAs (Individual Voluntary Arrangements)
  • Bankruptcy

 

Often, an adverse credit mortgage is used with debt consolidation, clearing all your other debts and moving onto one low monthly payment. For many this can be an ideal solution with a lower interest rate being charged but it is not necessarily the right solution for everybody and we recommend talking through your options with us.

An adverse credit mortgage may be the only one you can get now but by managing your credit correctly you will over time be able to improve your credit score and move to a mainstream mortgage.

Arrange a call back with one of our experienced advisors or call 08000 337 235

Arrange a call back with one of our experienced advisors or call 08000 337 235

    By submitting this form you agree to us contacting you on the above email address or phone number to discuss your mortgage needs and/or (b) other products and services.

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    Why Call Us?

    We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.

    Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.

    Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.

    As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.

    These are deals not available to the general public or through price comparison sites that we have access to for you.

    Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.

    We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.

    If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.

    Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.

    We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!

    All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.

    Why Call Us?

    We are Independent Mortgage Brokers offering a whole of market choice for mortgages and protection. If you go direct to a lender, they can only recommend their own very limited product range. There are over 100 lenders and thousands of mortgage deals available to research. We listen to you, find out your needs and circumstances, recommend the most suitable mortgage for you and fully explain the features and benefits.

    Beware using an estate agent broker that only has access to a limited panel of lenders and are not whole of market.

    Give us a call or email and we will give you advice. We can help without charge, whether you use us to get your mortgage or not.

    As a whole of market broker we have access to thousands of mortgages to make sure you get the best deal for you.

    These are deals not available to the general public or through price comparison sites that we have access to for you.

    Wherever you are based within the UK, our unique easy 4 step process allows us to provide you with a full expert independent mortgage broking service.

    We are regularly audited to ensure compliance with Financial Conduct Authority regulations. All our mortgage and protection work complies with the FCA regulations. We are committed to Treating Customers Fairly. £1.75 million professional indemnity cover is in place for your protection as well. You are never pressured to take any product.

    If we’re unavailable for any reason calls are usually returned within the hour, as are emails or texts. As soon as you confirm which mortgage you would like to apply for, we will get an immediate agreement in principle for you. This puts you in a strong bargaining position when dealing with estate agents and vendors. Everything is done extremely promptly throughout the mortgage application process and you will receive regular updates.

    Mortgage application forms are usually long and can be complicated. We complete and submit all the paperwork for you throughout the process.

    We are not a Call Centre! You work with one friendly advisor throughout who will fully understand your own particular circumstances. When you call, they will know all about you – we are not a call centre where we read your notes off a screen!

    All calls and emails are responded to promptly, we never leave you waiting and chase mortgage companies constantly so that your mortgage is processed as quickly as possible.

    Need help securing an agreement in principle?

    Call us and we will apply for FREE to get you an agreement in principle, the vast majority of which are accepted straight away

    TESTIMONIALS

    SEE WHAT OUR CLIENTS SAY

    They have already used our services

    Roberto Faria
    Roberto Faria
    2024-06-13
    I highly recommend ‘Chartners Independent Mortgage Brokers’ and look forward to working with them again in the future. Really professional service from Dave, moved very fast to deliver the best product for my needs, very helpful in all the aspects and very quick to reply to any questions and go extra mile to help me out with it. http://www.nationalmortgagebroker.co.uk/
    Lawrance B
    Lawrance B
    2024-06-13
    I found Jack very helpful and responsive to my emails. Good service and would recommend.
    Duncan Bedwell
    Duncan Bedwell
    2024-06-12
    We recently used jack to obtain our mortgage and although it certainly wasn’t straightforward he managed to get us a deal so we could move house , great service and we will be back again when it’s time to re mortgage 👍🏻
    Katherine House
    Katherine House
    2024-06-12
    Thank you Jack Samuels for amazing customer service. Really helpful & efficient service. We are firm customers now!
    Jack
    Jack
    2024-06-12
    I have used Jack at Chartners on various mortgages now, from residential to buy to lets and also remortgages. Each time he has been extremely efficient in finding out what the circumstances are, and presenting me with the best options available for me. He has a wealth of knowledge when it comes to the industry and has always gone above and beyond when it comes to sourcing the best rates, deals, products etc. Many of the mortgages i have obtained with the help of Jack have not been straight forward and other brokers have been unsuccessful in finding a suitable product for me however Jack has managed to succeed each time in a matter of weeks. 5 stars all round.
    Bronwen L'Hoste
    Bronwen L'Hoste
    2024-05-21
    Excellent service from Jack as usual Chartners so super helpful from start to finish
    Harry Measures
    Harry Measures
    2024-05-20
    Great service from Jack and chartners as always, fast and reliable
    Michael Lee
    Michael Lee
    2024-05-15
    We couldn’t be happier with the service provided from Chartners. As first time buyers the process seemed daunting, but Jack helped us through every step of the way and made himself available to answer any questions we had big or small. We’d highly recommend him to anyone!
    Chris Combie
    Chris Combie
    2024-05-11
    Highly recommend. We used Chartners (Jack) for our first mortgage and recent re-mortgage. Jack put everything in simple terms and kept us updated with new/better rates. Always on hand to answer any questions and guide us through the process.
    1.

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    2.

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    4.

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