Adverse Credit Mortgages

Adverse Credit Mortgages

Having Adverse Credit registered against you can be devastating when applying for a mortgage
Your credit file report is probably the single most important document the lenders go by when assessing if they will lend to you. An adverse Credit history will most certainly either result in an outright refusal or an increase in the offered mortgage rate.
The level and degree of Adverse or Bad Credit is assessed in different ways by different lenders. Some lenders will accept a little, some a lot, but the majority will not accept any.
You may not even know that you have adverse or bad credit registered against you until you apply for a mortgage. This is not the idel time to find out as you would have probably just been declined by the lender and this will be registered on your credit file, thus compounding the problem.

If you even suspect you some issues, you need professional advise when applying for a mortgage. Your Mortgage Adviser needs to assess the situation and advise on how to proceed.
All is not lost as you can often still obtain a suitable mortgage, provided your Mortgage Adviser has the knowledge of where to source these specialist mortgages and what each specific lender will accept.

At Blue Bay Mortgage, we know specialist Mortgage Advisers who have years of experience in this field and will offer you the best advise possible.
 
Contact us today for your Adverse Credit Mortgage or if you have a bad credit history and need a mortgage........

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