Mortgage with defaults
Defaults on your credit file, even ones that are not paid off, do not automatically rule out a mortgage. Angela specialises in default cases, including recent and multiple defaults, with direct access to the sub-prime and adverse lenders who accept them.
It won't cost you a penny if she can't help, and a same-day decision in principle is available for urgent cases.
Sound familiar?
- A default from a hard patch
- Multiple defaults
- Default not yet paid off
- Declined because of a default
Defaults are a lender-choice problem
A number of lenders genuinely accept defaults - the difficulty is knowing which ones, and how each weighs the age, size and story of the default. Some care most about recent conduct; others about the overall picture.
Angela works those differences daily, speaks with the underwriters directly, and presents your case properly the first time - even if you have already been turned down elsewhere.
The plan beyond the mortgage
Every default case comes with the financial M.O.T.: what the default is costing your file, what to fix first, and when a high-street rate becomes realistic - so the next remortgage puts you in a stronger position than this one.
Based in Benfleet, Essex - advising clients across the whole of the UK.
She never sugar-coated anything. No pipe dreams and false hope from her - only realistic outcomes.
Fair questions, straight answers
Can I get a mortgage with an unsatisfied default?
Often, yes. Some specialist lenders will consider defaults that have not been paid off, depending on the age and the wider picture. Settling a default can widen your options, but it is not always required.
Do multiple defaults rule me out?
No - they narrow the lender list, which makes going to the right one first even more important. Angela will give you a straight answer on where you stand.
Also worth a look
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Defaults on your credit file?
The age, size and type of default all matter. Find out where you stand before anyone runs a credit check.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.