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Coronavirus - Help us to help you

From Monday 12 April 2021, our branch opening hours will be: Monday to Friday 9am – 3pm and Saturday 9am to 12pm.  Branch telephones will be open Monday to Friday 9am to 4.30pm.

Our telephone opening hours at Principal Office are 9am – 6pm Monday to Friday and 9am to 12pm on Saturdays.

Please note visitors to our branches and Principal Office will be required to wear a face covering.

Thank you for your cooperation

Credit Repair

We’re working with Mortgage Advice Bureau to help you find the best mortgage deal by comparing 1000’s of mortgages from over 90 different lenders.

 

If you’ve missed a few credit card payments, are in a debt management plan, have any CCJs or a poor credit rating for any other reason, credit repair mortgages may be an option for you.

What’s more, once you’ve found a solution, paying your mortgage on time for a few years should help you ‘repair’ your credit history and move to a standard mortgage at a lower rate.

So what is a credit repair mortgage?

These are mortgages offered by lenders who are willing to lend to people with poor credit histories. Interest rates and charges for these mortgages tend to be higher because of the perceived risk. However, if you can make your repayments on time, your credit rating will start to improve – and you may be able to switch to a more competitive deal within a few years.

Are there ways to improve my bad credit rating?

There are certainly things you can do which will have a positive effect on your credit score in the future.

  • Pay your bills on time
  • Make sure you’re on the electoral roll.
  • Check your credit rating regularly. Since the General Data Protection Regulation  came into effect at the end of May 2018, it’s now free to check your report and you have a legal right to do so. All checks are done online so it’s quick and easy.

If you’re interested in finding out more about Credit Repair mortgages our Mortgage Advice Bureau’s advisors can help you. Simply call 01664 494100 or visit our Mortgage Advice Bureau website.

Search for your next mortgage with Mortgage Advice Bureau

To book an appointment please call 01664 494100 or take a look at our Mortgage Advice Bureau website where you can also see the latest deals, access mortgage calculators, meet the team, get expert advice and much more.