adverse or bad credit mortgages Northampton
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Adverse or bad credit

Obtaining a mortgage with adverse or bad credit can be very difficult but it has become an area of expertise due to the large volume of enquiries we have had.

There is no hiding the fact lenders have a criteria which must be met before lending you money. They want some comfort that their money will be repaid. The good news is this criteria can vary significantly from lender to lender which means there could be a lender happy to lend to you taking into account your credit history. In fact there are some lenders who specialise in lending to such people. Salcey Mortgages have access to the whole of the mortgage market and as a result we know which lenders could help you obtain a mortgage depending on the severity of the adverse. We will take the time to speak to such lenders and give you an honest indication upfront of what chances you have of getting a mortgage. We will spend the time understanding what has caused the credit issues and can then best present this to potential lenders. Honesty is always best policy with this, we are on your side and want to help.

If you have been refused by another broker – give us a call, even if it’s an informal chat and we can tell you over the phone if we think we can help or not.  

We may be able to help people with: 

  • Defaults,
  • Arrears
  • CCJ’s
  • Bankruptcy,
  • Missed/Late Payments.
  • and a combination of the above.
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we offer you:

  • Mortgage Advisers based in Northampton and surrounding areas such as Milton Keynes, Bedford and Leicester
  • Whole of market meaning we can search 1000’s of mortgage products to get you the best deal
  • Fast, reliable and easy to understand service
  • Access to adverse credit lenders
  • Available 6 days a week
  • We can come to you at a time and place most convenient for you

Typically, a fee of £249 is charged upon application for any borrowing however this may increase depending on your circumstances. All fees will be disclosed initially prior to any financial commitment.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Salcey Mortgages Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 651677. Registered Office: 400 Pavilion Drive, Northampton, NN4 7PA. Registered Company Number: 9201809 Registered in England & Wales

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