Poor credit doesn’t have to stop you
Poor credit used to mean mortgages were virtually impossible to find. And although a mortgage for those with poor credit ratings won’t be freely available, it doesn’t mean you won’t find one.
It’s still possible to get approved for a mortgage even if you have poor credit, so we may be able to find a mortgage deal to suit you.
Just remember that each lender is different and just because you have been declined by one, it doesn’t mean you won’t be accepted by another.
And although it isn’t always possible to find mortgages if you have a poor credit history, we have managed to help some clients secure deals.
In the past The Mortgage Dog has arranged mortgages for people with the following circumstances:
- No credit history
- Low credit score
- Late payments
- Missed mortgage payments
- Defaults
- CCJ’s
- IVA’s
- Debt management Schemes
- Reposessions
- Bankruptcy
- Payday Loans
- And customers with multiple credit problems
So don’t be put off, get in touch and we will give you the best advice.
How to improve your credit for a mortgage
There are things you can do to improve your credit for a mortgage. First of all, check all of your credit reports. Lenders use different credit checking agencies and they don’t always share information. As a result, there may be an issue you are unaware of that has led you to be declined.
You can request free credit reports from the agencies, and the most commonly used are:
- Experian
- Equifax
- Call Credit
If you find an error, contact the agency immediately. You may be able to get the error corrected, so it is worth the effort.
Flexible Service
We make it as convenient to you as possible,
We offer face to face appointments in the comfort of your own home or you can come to our office. If you are pressed for time we can talk over the phone.
We’ll make it as stress free as possible for you.
Help beyond your mortgage
Sometimes the mortgage you originally signed up for no longer meets your needs. Maybe your circumstances have changed and you require a mortgage that will allow you the occasional payment break or you wish to make a regular overpayment without being penalised? There are many different mortgages out there which may suit your requirements.