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Call us on 01664 414141 between 9am and 6pm Monday to Friday and 9am and 12pm on Saturdays

Credit Repair Mortgages

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, our credit repair mortgages may be an option for you.

We understand that life isn’t always straightforward. If you’ve gone into arrears or had financial problems in the past, talk to our friendly team. Thanks to our depth of experience, we can often find a solution for you, whatever your circumstances.

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.

I’ve got bad credit: can I get a mortgage?

Let’s find out.

You may need a larger deposit and interest rates tend to be higher than on standard mortgages but we’re here to help you explore your options, so just give us a call on 01664 414141.

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 new GDPR law 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.

Next steps

For a chat about credit repair mortgages and whether they’re right for you, get in touch today.

Call us on 01664 414141 to fix a convenient appointment.

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