Adverse Credit Mortgages

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Adverse Credit Remortgages

Over the past ten years the number of people who have a County Court Judgement (CCJ) against them has risen rapidly.

CCJ and default details (where you fail to make the payments on a loan or credit cards) are kept on your credit file (see Lifestyle Solution section on Credit checks under legal services) Your credit file is accessed by

potential lenders to assess whether you are a ‘safe bet’ in terms of

lending money to.

If you have one, or a number of CCJ’s and/or defaults your credit can be damaged quite severely, however, in the competitive market of mortgages and re mortgages there are now a number of lending institutions that are prepared to lend to people with adverse credit. These adverse credit re mortgages carry a slightly higher interest rate than a mortgage offered by main stream lenders. Also, depending on the severity of the adverse credit they may lend you less as a percentage of the value of your house. This is called the Loan to Value and is often referred to as the LTV.

As a general rule the greater your adverse credit is the lower the LTV becomes or the interest rate of the loan is higher. Sometimes, in extreme cases both can apply.

Lifestyle Solution is committed to finding the right deal for you. If you would like impartial advice on adverse credit re mortgages call us now on

0845 25 75 485

Or complete the call back form and we will call you at a time convenient to yourselves.

This website is provided as an independent marketing website.

We are neither a mortgage lender nor an independent financial adviser and, as such are unable to offer financial advice

Enquiries generated via this website are passed on to independent financial advisers and mortgage/loan brokers.

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage