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.
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Bad Credit Mortgages in Southend
We’re Here to Help
If you have less-than-perfect credit, it’s all too easy to assume that you won’t be able to get a mortgage. That’s not necessarily true though! Welcome to A Little Mortgage Advice, the experts in bad credit mortgages Southend buyers recommend. We’re experienced bad credit mortgage brokers and know which lenders to turn to. So, your dream of owning your own home might be closer to reality than you thought!
Here’s everything you need to know about us and securing a bad credit mortgage in Southend.
Our specialist mortgage advisor can help.
01268 387898
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it
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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.
About Bad Credit Mortgages
Bad credit mortgages in Southend are the best option for those who have poor or limited credit history. The interest rates for these borrowers tend to be higher, and you may often be asked to put up a higher deposit. This is because of the risk that a borrower with bad credit poses to a lender. However, if you don’t want to wait for your credit score to improve to secure the home of your dreams, then a bad credit mortgage can be a brilliant option.
What Are the Benefits?
We believe that everyone has the right to own their own home, and bad credit mortgages make doing this more accessible than ever. We’ll match you to compassionate, understanding lenders who look at borrowers on an individual basis, giving you the best chances of securing a mortgage that works for you.
Once you are on a bad credit mortgage, making timely repayments will actually improve your credit score. So, it can actually be a great tool in making your credit history more appealing to lenders – making it much easier to perhaps remortgage at a better rate or qualify for other kinds of loans in the future. Provided you are taking other steps to gain control of your finances and are working on improving your credit score, getting a mortgage now could really pay off in the long run.
Why Choose A Little Mortgage Advice?
We’re passionate about helping everyone to secure a mortgage that meets their needs – even those with bad credit. Our friendly team isn’t here to judge you, they’ll just work with the information you give them and begin the search for a mortgage that works for you. When you choose us, you’ll be able to benefit from our direct access to every lender in the United Kingdom – which includes all subprime and adverse lenders. We speak with their underwriters regularly and have a great chance of getting you approved for a mortgage, even if you have been turned down elsewhere.
Talk to Us Today
We’re the specialists in getting a bad credit mortgage Southend buyers trust, and we’re here to help you. So why not get in touch today for a friendly, informal chat with a member of our team to discuss your options?
FAQs
Will a bad credit mortgage affect my credit score?
No, it won’t! Once you have secured a mortgage suitable for someone with bad credit, you will be like any other borrower. Bad credit mortgages in Southend aren’t red flags that will affect you in the future, and we only ever work with reputable lenders.
Getting a mortgage now can actually help you to improve your credit score over time. How? Well, keeping up with your monthly mortgage payments will show that you are a responsible borrower, and will give your credit score a boost as the years go on.
How can I improve my credit before applying for a mortgage?
While it’s possible to secure a mortgage with bad credit, it’s always a good idea to improve your credit score as much as you can before making your application. Here are some proven ways of doing so:
- Build your credit history – no credit is just as bad as poor credit!
- Make regular payments on time
- Keep your credit utilisation low
- Check your credit report for errors and have them rectified to truly reflect your history
- Consider getting a credit builder card
- Keep old accounts open and show a long credit history
- See if you can get an instant score boost
I’ve been turned down for a mortgage before, can you help?
Yes, we can! There’s no such thing as an impossible case in our eyes, and we do all that we can to help every single client who comes to us. Many people assume that once they have been turned down for a mortgage, that will be the same answer they get from all lenders. That’s simply not true though!
By working with a mortgage broker with experience in bad credit mortgages, like us, you will be able to benefit from a team that knows where to look and how to present your circumstances to lenders. It’s by far the best way of successfully securing a mortgage if you have been turned down in the past.
