Bad credit simply means that you have a poor credit repayment record. If you are trying to find a mortgage but are aware that you have had problems in the past with your credit history then you may need to apply for an bad credit mortgage.
The fact that you have bad credit does not necessarily mean that you cannot get a mortgage. There are lenders who specialise in mortgage lending to people with a poor credit history. Please be aware that your mortgage options may be more limited than if you have a good credit score, and that interest rates may be higher if you have a bad credit rating, but adverse credit mortgages are available.
The good news is that by making regular and timely repayments to adverse mortgages, you can over time repair your credit history and restore your good credit. If you make your repayments on time, they will count towards your credit history as a positive, and slowly you will become more creditworthy. Our advisors will use their skills to search the market and give you an honest appraisal of your options. We won’t entice you with unobtainable rates that are advertised on comparison websites, but we will use our knowledge of the mortgage market to try and find the best deal for your circumstances.
If you’d like to talk to us about getting a mortgage, fill out the form below. Otherwise give us a call and speak directly to an advisor on 0115 962 0777 or 0115 955 2323. Alternatively, visit one of our Nottingham branches in Arnold or Mapperley.
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If you are trying to find a mortgage but are aware that you have had problems in the past you may need to apply for an adverse credit mortgage.
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