What is Adverse Credit?

Hot Topics

How Do I Prove My Income?: When you apply for a mortgage you will normally have to provide proof of income. However, there are mortgages available, called Self-Certified mortgages, where this is not necessary.
What Happens If Interest Rates Change?: If you have some form of fixed interest rate mortgage you will be unaffected by changes in interest rates. Otherwise you can expect a change in the rate of interest charged on your mortgage.
Can I Take A Break From Making My Mortgage Repayments?: The ability to take a break from mortgage repayments is a feature of the Flexible, Current Account and Offset mortgages.
How Do I Know If I Should Switch Mortgages?: The mortgage market changes on a regular basis – and it is quite possible that just a few years after taking out your mortgage there will be plenty of better deals out there with more favourable interest rates.
Right To Buy Mortgage: What is ‘Right to Buy’?

If a borrower has a history of poor credit usage then this is described as Adverse Credit, Sub Prime or just simply, Bad Credit. Poor Credit history can include County Court Judgements (CCJ's), Bankruptcy, Mortgage arrears or any late payments on credit cards, credit arrangements etc.

Can I still get a mortgage if I have a bad credit history?

Our mortgage partners have access to lenders that will consider people with CCJ's, defaults, arrears and missed payments. They like to say that the only people we cannot arrange a mortgage for is an "Uncleared Bankrupt".

What Happens If I Have No Proof Of Income?

1st Time Buyer - Buy to Let Mortgages - Capped Rate Mortgages - Discount Mortgages - Fixed Rate Mortgages - Flexible Mortgages - ISA Mortgages - Low Setup Cost Mortgages - Self Cert Mortgages - Tracker Mortgages - 100% Mortgages Cashback Mortgages - Adverse Credit - Buy to Let - Commercial Mortgages - Company Directors - Equity Release - Fixed Rate Mortgages - Income Multiples - Interest Rates Explained - Mortgage Glossary - Mortgages Explained - Previously Declined - Refinance Mortgages - Repaying Mortgages - Right to Buy Mortgages - Self Employed - Unusual Properties - Variable Rate Mortgages-Cheap Mortgages UK

-- Please Note --
This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.