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.
We've used UKFCS Mortgage Specialists for many transactions because of their fast, knowledgeable and personal service combined with an excellent selection of lenders. Kirk, Danny, Alisha and the the team have been great for us and they can be for you too!By Ian Brown and Di Kuang
Excellent services delivered by UKFCS Mortgage Specialists for past 15 years. I am a landlord therefore frequently used the services of UKFCS Mortgage Specialists to arrange or re-mortgages rental or personal properties without any issue. UKFCS Mortgage Specialists are highly recommend.By Asad Riaz
We used UKFCS Mortgage Specialists for our recent mortgage. The staff are friendly and helpful and the process was smooth and easy. I would highly recommend this company.By Lauren Broughton
We are local estate agent who values good services that we can provide to our sellers and buyers and mortgage advice is paramount to us. We have been working closely with UKFCS Mortgage Specialists for a couple of years now and being so close to our office means many of our clients choose to visit them straight after coming into our offices, or alternatively we can arrange for them to call our clients at a convenient time to discuss their financial needs. They will guide the first time buyer through all the stages of the offer and explain everything every step of the way.By Erica
I would highly recommend UKFCS Mortgage Specialists, I have always felt supported and well informed throughout the mortgage application process and know that I can rely on their professional service every time.By Shaun Collins
Very efficient service with prompt responses and the best deals on the market. Would thoroughly recommend their services.By Steve Masters
As a first time buyer, we had lots of questions which were always answered in detail and it made the process of buying our home more smooth than stressful and we will be using UKFCS Mortgage Specialists again for future re-mortgagesBy Natalie
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