0800 433 4576 / 020 8303 7897

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At UKFCS Mortgage Specialists we offer a personal level of mortgage, insurance and loan services that are especially tailored to your specific needs.

The Best Advice To Suit Your Needs

Bad Credit Mortgages

Bad credit, poor credit, county court judgements stopping you from applying for a mortgage?

Well fear no more, help is here. We specialise in obtaining mortgages for people that have had credit problems in the past. We have contacts with companies that will lend in most circumstances and we will also ensure that a lender is happy to lend to you before applying. Ensuring that you will not be let down halfway through the process.

It is really difficult to obtain a mortgage when your credit is good - however with bad or poor credit it is nigh-on impossible for an individual to be able to find a mortgage company that will be prepared to offer a mortgage. This isn't to say that a mortgage isn't available for those people with bad credit, it is an issue that at UKFCS Mortgage Specialists our mortgage advisers are considerably more knowledgeable about and they will be able to contact the appropriate companies.

There are many reasons why people have bad credit. They may just have a history of late payments - however, in other instances there may be default notices, County Court Judgements etc. Many mortgage companies are aware that people do have problems, sometimes these will be in the past, and circumstances may have changed.

Whatever the situation the consultants at UKFCS Mortgage Specialists will do our best to obtain the best mortgage possible for you. We will be able to find out all the information involved with a potential mortgage without needing for the applicant to have any credit checks. It is important to avoid any none-essential credit checks as an excessive amount of credit searches in a short period of time can have a negative effect on your existing credit record.

There is a distinct possibility that you will be able to obtain a mortgage - the interest rate will be a little higher - but only if you accept the help of experienced mortgage brokers. UKFCS Mortgage Specialists will be able to help you obtain the best mortgage available.

In the meantime, you need to ensure that this new mortgage is affordable for you. Work towards reducing any other debts you currently have, and make sure that every monthly payment for credit cards, direct debits and utility bills etc. are paid on time. This way you will slowly start to repair your credit whilst ensuring that it certainly doesn't become any worse. The new mortgage, when it comes through must be the first payment made every month. Make sure that you have a budget which you are able to live within.

At UKFCS Mortgage Specialists we will give you the best advice given regarding your new bad credit mortgage and will obtain the best mortgage available in your situation. We will deal with every mortgage company and our friendly advice is always impartial. Don't try and go it alone - you will possibly make your credit worse by inviting additional credit checks. Working with us will help you in obtaining you a mortgage wherever possible, and obtaining the right mortgage for you.

Insurance Cover

Authorised and Regulated by the Financial Conduct Authority. UKFCS Mortgages Specialists is the trading name of UK Financial Consultancy Services Ltd. UK Financial Consultancy Services Ltd, Registered in England and Wales No.5467810
Registered Office: 33 Darnley Road, Gravesend, Kent, DA11 0SD Your home may be repossessed if you do not keep up repayments on a mortgage or any other debts secured on it.
The overall cost for comparison is 4.4% however the actual rate will depend on your circumstances.
UK Financial Consultancy Services Ltd operate as an intermediary and are not a principal lender
Our FCA registered number is 435495 and can be found on the regulators website at www.fca.org.uk/register

Our Offices

Kent Office
140A Station Road, Sidcup, Kent, DA15 7AB
Tel: 0800 433 4576 / 020 8303 7897 - Fax: 0800 433 4579
London Office
34 Ely Place London EC1N 6TD
Tel: 0800 4334 576 / 020 3417 2332
Isle Of Wight Office
Ridge House, Upper Hyde Farm Lane, Shanklin, Isle of Wight, PO37 7PS
Tel: 01983 623177