Adverse credit mortgage advice
Understand your mortgage options
A past credit problem does not always rule out a mortgage. We’ll review your credit history, income, deposit and current commitments to explain what may be possible.
Missed payments, defaults, county court judgments, an IVA or bankruptcy can affect lender choice and pricing. The type, age and status of each issue matter, and some circumstances may mean waiting before you apply.
Our Peterborough advisers support clients across the UK. We’ll give you a realistic assessment and explain the next steps, without promising approval.
Before you apply, obtain your credit reports and check that the information is accurate. Bring details of any missed payments, defaults, county court judgments or debt arrangements so we can understand what happened and when.
We’ll review your income, spending, deposit and current debts alongside your credit history. Specialist lenders may offer options, but rates, fees and deposit requirements can differ. We’ll explain the overall cost and whether applying now is appropriate.
If a mortgage is not currently suitable, we’ll explain the reasons and the steps that may help you prepare for a future application. Avoid making repeated applications without first understanding the lender’s criteria.
Talk to us before making a mortgage application. We’ll listen to your circumstances, explain the available options and answer your questions in plain English.
Where a suitable mortgage is available, we’ll explain the rate, fees, monthly payments and lender requirements, then help you prepare and manage the application. Approval is always the lender’s decision.
Book an initial consultation or contact our team to discuss your plans. There may be a fee for arranging a mortgage, and the precise amount will depend on your circumstances. This will typically be £595.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why us?
At More Financial, we are committed to providing exceptional customer service. We understand that the mortgage process can be daunting, and our team is here to support and guide our clients through every step of the process. We pride ourselves on our transparency, honesty, and integrity.
At More Financial, we are more than just a mortgage broking firm. We are professionals who are dedicated to making a difference in our clients’ lives. We believe that everyone deserves the chance to achieve their financial goals, and we are here to help make that a reality.
If you are looking for a mortgage broker who will do more for you, look no further than More Financial. Contact us today for your free consultation to learn more about how we can help you achieve your financial dreams.
Useful Links
