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Do you fall into any of the following categories?:
High-street lenders may decline your mortgage application if you have had financial difficulties in the past. However there are a number of lenders who specialise in providing mortgages to people who have adverse or bad credit ratings.
The most prominent reasons for being refused a mortgage are usually because you have had a County Court Judgment or Default registered against you, made arrangements with Creditors in the past or due to your employment status; especially for a self employed person with accounts not fully up to date. Or an employed person with numerous sources of income that are difficult to verify. It is important to note that false and/or inflating your income on an application form is fraudulent and may lead to criminal prosecution.
If you have a poor credit history it doesn't necessarily mean you can't get a mortgage. A poor credit rating or adverse credit history can result in a traditional mortgage application being rejected. If a borrower has a history of poor credit usage they maybe more likely to be accepted for a Sub Prime mortgage .
There are numerous lenders that specialise in lending to people with adverse credit or unusual circumstances. Interest rates may be higher than normal mortgages and a larger deposit maybe required because the lender views the borrower as a higher risk.
However, we will review your circumstances and mortgage needs on a regular basis and transfer you to a high street mortgage as soon as your credit file improves. Early repayment charges may apply.
Sterling Mortgage Specialists has access to many 'sub prime' lenders that may be able to approve your mortgage. With our in depth knowledge of the marketplace, we will endeavor to find a lender that is willing to approve your mortgage.
Contact Us now and qualify for a free review. Discuss your situation with a fully qualified adviser and receive a no obligation quotation. Alternatively complete an Enquiry Form or Email us.
Adverse Credit/Credit Problems - The overall cost for comparison is 9.3% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Self Employed / Self Certification / No Proof of Income - The overall cost for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Think carefully before securing other debts against your home.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS
ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
IMPORTANT - Please Download & Print Out Our Initial Disclosure Document (IDD)
Partners: Keith Bevan & Ross Bevan Sterling Mortgage Specialists 12 Church Street Welshpool Powys SY21 7DP
email: info@sterlingmortgagespecialists.co.uk
Sterling Mortgage Specialists is an Appointed Representative of Network Data Ltd which is authoised and regulated by the Financial Services Authority - Network Data Ltd is entered on the FSA register under FSA reference 300391
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.