Experts In Getting Mortgages For People With Bad Credit
With our experience and knowledge, you have the best chance of getting the mortgage you need , even if you have been turned down elsewhere.
Bad Credit Mortgages in Brentwood
Working with You at Every Stage
Struggling with bad credit and worrying that you won’t be able to get a mortgage anytime soon? Don’t worry, we’re here to help. We’re A Little Mortgage Advice, your trusted experts in bad credit mortgages in Brentwood. Working with a wide range of clients and with access to a huge pool of lenders, we’re able to secure mortgages for those who thought their dream of home ownership would never become a reality thanks to their poor credit scores.
Here’s everything you need to know about getting a bad credit mortgage in Brentwood, and how we can help you.
01268 387898
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Bad Credit
County Court Judgements (CCJs)
Defaults
Missed/Late Payments
Debt Management Plan (DMP)
Too many hard searches
Excessive borrowing/large amount of debt
An Individual Voluntary Arrangement (IVA)
Debt Relief Order (DRO)
Bankruptcy
If you answer yes to any of the above you may think that it is not possible to be accepted on a mortgage application.
But with A Little Mortgage Advice we can help find you a mortgage to fit your circumstances.
How We Can Help
As a specialist independent mortgage advisor we work with lenders who specialise in bad credit mortgages.
There are a wide range of specialist lenders with specific eligibility criteria who may suit your circumstances.
Our team at A Little Mortgage Advice will discuss your situation and advise you on the best solution for you to proceed with a mortgage.
Why Choose A Little Mortgage Advice?
Specialist Advisor
We are a specialist independent mortgage advisor. This means that we work with all lenders and search the whole market to find you the correct mortgage product.
Personalised Service
As a small independent company you will be speaking directly to a mortgage advisor. We dedicate the same time to every client.
5 Star Reviews
Every client and phone call is important to us. We pride ourselves on offering a 5 star service every-time.
No Obligation Quote
We offer a free no obligation quote and great advice throughout.
What is a Bad Credit Mortgage?
If you have a poor or limited credit history, you will be looking to secure a bad credit mortgage. Lenders will consider you a higher risk than someone who has a good credit score, and the terms of your mortgage will often reflect this. These include higher interest rates and a larger upfront deposit. More and more lenders are offering mortgages to borrowers in your position, and as the experts in bad credit mortgages Brentwood buyers trust, we’re here to help you.
Can I Benefit from a Bad Credit Mortgage?
Yes, you can! Far from being a last resort, a bad credit mortgage in Brentwood actually offers a range of benefits. You will be able to get on the housing ladder sooner rather than wait for your credit score to improve – although we recommend doing as much as you can to improve it anyway. Securing a mortgage now actually helps you do that. By keeping up with your monthly payments, you will build a solid credit history and improve your score. This can really help you in the future.
Why Choose Us?
We believe that everyone should be given a chance to apply for a mortgage and that bad credit shouldn’t be a barrier to owning your own home. We’re compassionate and caring, and go above and beyond to get to know our clients. Working with the information you give us; we then head to our pool of all the lenders in the United Kingdom to find the best possible deal for you. Working with a broker gives you the best possible chances of approval, and we will keep you informed at every stage of the process.
Talk to Us Today
To find out more about us and how we could help you, please get in touch with our bad credit mortgage Brentwood team today. We would love to hear from you and answer any questions that you have about what we do and get the process of finding you the perfect mortgage started.
FAQs
Will you be able to find me a mortgage?
We’ll do our very best! We have years of experience when it comes to finding our clients bad credit mortgages in Brentwood, and we have direct access to every lender in the UK. We know what those lenders are looking for from borrowers and will be able to find ones that meet your needs.
We know that working with a mortgage broker is a big step and a first for many of our clients. That’s why we want to make it clear that if we can’t find a mortgage for you, you won’t have to pay us a penny.
What can affect my credit score?
You can find yourself with a poor credit score without quite realising how you got there. There are a number of things that can affect your credit score, such as:
- Missed or late payments
- Choosing the wrong credit card for your needs
- Being the subject of a County Court Judgement (CCJ)
- Only paying the minimum each month
- Having no credit history
- Being a victim of identity fraud
We recommend looking at your credit report and seeing if there are any inaccuracies, as this could be worsening your score needlessly. Then, start to take steps, no matter how small, to improve your score.
How do bad credit mortgages differ?
Bad credit mortgages can have quite strict terms compared to those offered to those with a great credit score. That is because the lender sees you as more of a risk. You can expect to pay higher amounts of interest, and possibly need to have a higher deposit to start with. Some lenders may also require you to have a guarantor.
We know navigating the world of bad credit mortgages in Brentwood can be daunting. That’s why we’re on hand to explain what they entail and what will be expected of you.