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Poor Credit History

Many of the clients that we successfully place mortgages for have experienced past or have current financial difficulties. These range from late payments or defaults on credit or store cards to missed mortgage payments and County Court Judgements. We can also arrange mortgages for discharged bankrupts and people who have their houses repossessed in the past.

Past or current financial problems will be reflected on your credit report but Selective Mortgages can still arrange a mortgage for you and you will be pleasantly surprised at the competitive interest rates that are available from the lenders who consider impaired credit mortgage applications.

The interest rates applied to your application will depend upon your circumstances including the amount of deposit and level of adverse credit that you have. We ensure that we will select the most competitive mortgage available for you according to your circumstances and requirements by taking into account of the total cost of the chosen mortgage including the monthly repayments and the lender fees associated with the mortgage.

For people with minor adverse credit particularly where adverse credit has been registered over three years ago it may still be possible to obtain a 100% mortgage for those clients who do not have access to a deposit.

In summary we are able to consider all applications whatever your circumstances and an initial assessment of your mortgage options can usually be made immediately once you have provided us with the basic information that we require to make a recommendation to you.

To obtain an immediate Decision in Principle please click on the Mortgage Quote link below, complete the short Questionnaire and submit your details so we may assess your application and call you back with a mortgage quotation.


Mortgage Quote