Bad Credit Mortgages

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Buying a property is a big step involving a substantial long-term financial commitment

It's important to think hard about what you can afford

You will need to consider the assets you have – like savings – as well as the money that’s coming in and going out and what is affordable etc. The Loans Department will guide you through the process assessing your monthly income and affordability and even advising on your future affordability based on the details that you provide. We will take care of the application , liaise with agents and solicitors on your behalf. It is our policy to make purchasing a property as stress free as we can for our customers.

The Loans Department also specialise in Adverse Credit property purchase so there is no need to panic if you have been turned down by High street banks. The Loans Department will offer you free no obligation advice and will endeavor to answer all the questions you have

How does your credit rating affect your mortgage?

Poor credit rating or a low credit score can unfortunately make it hard for you to find the right type of finance. Credit scores will determine the rate and terms that you are eligible for from lenders in today’s market. More often than not there will be a strict application process. The Loans Department are specialists in this field and will source the whole of the market to find you the most suitable outcome.

Your credit can be considered as OK if you have over stretched yourself with credit commitments, missed 1 credit card payment or even took a payday loan in a time of need. Unfortunately lenders in today’s market are looking for applicants with a high score and it can be hard to find a specialist lender when you don’t know where to look. The Loans Department have access to lenders that don’t credit score and will take every case into consideration.

If you have a good credit rating The Loans department have access to the whole of the market and unlike a bank we are not tied to our own products. We work hard for you to find you the best rate possible.

If you have a great credit rating and require a specialist mortgage or Homeowner Loan, you’ve come to the right place. The Loans Department have access to the whole of the market and unlike a bank we are not tied to our own products.

Get a quick decision today

No hassle. No stress. We’ll let you know quickly if you’re eligible for property purchase with us.

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The Loans Department were able to secure buy to let finance for me when no one else seemed to be able to help. I would recommend them to anyone.

Mr Dolman, Cheshire

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