Adverse Credit Mortgages

You may have experienced problems in the past and are now looking for a new mortgage.

Life isn't always plain sailing and you may have experienced a lifetime event that has caused you to experience problems servicing your credit commitments.

 

If you have experienced problems in the past which has resulted in some adverse credit such as missed payments on your mortgage, loans or credit cards.  Or even if you have had a county court judgement or default registered against you, then finding a mortgage is not easy. 

 

However, lenders recognise that people, from time to time, experience financial difficulty and provided it can be demonstrated the problem is historic and that you have recovered from the event (redundancy, losing a family member or a person of ill health), then you may be able to obtain and mortgage or remortgage.

 

We may be able to help if you have experienced some of these problems

 

  • Late or missed payments on your mortgage.

  • Late or missed payments on loans or credit cards.

  • Had a default(s), registered against you for failing to meet your monthly repayments.

  • Been taken to court for debt.

  • Have or have been in a debt management plan

  • Entered into an IVA (Individual Voluntary Arrangement)

  • Been declared Bankrupt

 

Our mortgage experts will firstly sympathetically seek to understand your individual circumstances, what caused the problem and through discussion determine if the problem is ongoing or historic, before sourcing solutions that may be suitable.

Other Types of Mortgages

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Legal Information

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED UPON IT.

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.  REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY. 

 

 

The Money Bee, which is a trading style of Mortgage and Loans Limited, based in Stafford, (Financial Services Register number is 757812).

Terms and Conditions

There may be circumstances where we need to charge a fee.  In these instances, we will notify you at an early stage which could be £125 upon application and an arrangement fee up to £495, or £995 for specialist mortgages, on receipt of the mortgage offer.

 

Parkfield Business Centre, Park Street, Stafford, Staffordshire, ST17 4AL

Telephone 01785 878 555

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Parkfield Business Centre, Park Street, Stafford, Staffordshire , ST17 4AL