Premier Mortgage Associates
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Adverse / Bad credit?
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How to get a mortgage with bad credit
We usually find that clients have tried getting a mortgage via their bank, estate agent advisor or price comparison site before they enquire with us.
What clients don’t realise is that running unnecessary credit searches can harm the chance of getting a mortgage with bad credit even further.
Getting bad credit mortgages is technical and it’s not a case of finding the cheapest interest rate deal and applying for that, you’ll waste lots of everyone’s time and money.
An experienced mortgage broker will use their in-depth knowledge of lending criteria and aim to get your mortgage placed with the right lender first time, avoiding any harm on your score. You can enquire online or telephone us today.
If you haven’t got an up-to-date copy of your credit file, keep scrolling down as this is a great one to use as it searches 3 of the main credit reference agencies and it’s a free trial.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Types of bad credit mortgages
Our bad credit mortgage brokers will listen to your needs and find out more about your bad credit, i.e., when it was registered, what it is, is it now settled, how much it was for etc to recommend the best way forward.
Examples of bad credit mortgages include, CCJs (county court judgement), a DMP (debt management plan), a default, missed or late payments, an IVA (individual voluntary agreement) or even a bankruptcy.
If you are considering getting a new mortgage and are concerned about your credit score, you can speak with one of our mortgage brokers today to find out what your mortgage with bad credit options are.
We have teamed up with checkmyfile, so that you can download the UK's most detailed credit. FREE for 30 days, then £14.99 per month unless cancelled.
Obtaining your credit report is a crucial first step in the mortgage application process. Your credit report contains all the information that lenders will consider and provides you with a clear overview of your credit score.
Premier Mortgage Associates will also need a copy of your credit file before we process an application.
Why checkmyfile over Experian,Equifax or Clear score?
Checkmyfile is the UK'S Most Detailed Online Credit Report
- See your data from 3 Credit Reference Agencies, not just 1
- Get an independent view with your checkmyfile Credit Score
- Really easy to cancel - by phone or even online
- We guarantee never to sell your personal data
- Consistently rated ‘Excellent’ on Trustpilot
*When signing up, you must provide your credit card details. Checkmyfile is a monthly subscription which, at the time of writing this article, costs £14.99. There is a 30-day trial period, but you can cancel your subscription at any time. Free trial is not applicable to existing members.
You will also need to provide your name, address and email address and create a password. Once configured, you can log in with your email address, the password you choose during registration, and your date of birth.*
Get in touch with us now to chat with our friendly team of experts!
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Regulatory Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Premier Mortgage Associates usually charges a fee for mortgage advice, typically £395, however, the amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity.
The advice fee is payable upon the application stage of your journey and is non-refundable.
Premier Mortgage Associates Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority Place of Registration: England & Wales. Registered office: 14, Penny Court, Ringwood, Hampshire BH24 1JH. Registration number: 15146348.
The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Premier Mortgage Associates Limited | Mortgage experts, proudly serving Hampshire & Dorset
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