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Sub-prime lender launches to help adverse borrowers

Created on 06 August 2013.

A new sub-prime lender has launched into the mortgage market aimed at borrowers with an adverse credit record. Magellan Homeloans is the first major sub-prime lender to launch since the crash and a sign ...

Previously Bankrupt in Northern Ireland

Created on 13 February 2017. Posted in Ask the Specialist

Hi, Do any of the lenders that you work with provide adverse lending for properties in Northern Ireland? My wife and I declared bankruptcy in February 2014 and were discharged in February 2015. We ...

Mortgage With 6 Late Payments

Created on 05 January 2017. Posted in Ask the Specialist

Hi, I need a mortgage of about £110,000. I work and have a deposit, however, I fear banks will turn me down as I have 6 late payments on my credit file, which is no fault of my own and taking action ...

Poor Credit During Divorce

Created on 15 December 2016. Posted in Ask the Specialist

... time both emotionally and financially.  Without wishing to commit to being able to assist as it will depend on how poor and how recent your adverse credit has been, subject to your income being ...

Recent County Court Judgements and Defaults

Created on 18 October 2016. Posted in Ask the Specialist

...  A guarantor is often required if there is a shortfall in someone's earned income rather than if someone has had adverse credit in the past. This is because both applicants are jointly and severally liable ...

Remortgaging with Debt Management Plan

Created on 27 May 2016. Posted in Ask the Specialist

Hi, We have a debt management plan in place and have so for 2 years. We want to remortgage and possibly move home. We want to clear off debts, paying the debt plan with full and final settlement which ...

Interest Only To Repayment with Defaults

Created on 18 April 2016. Posted in Ask the Specialist

... years.  Ask the Specialist response: Thanks for your enquiry.  We do successfully assist clients that have had historic adverse credit, however, have improved their credit history over ...

95% Mortgage With Default

Created on 23 January 2016. Posted in Ask the Specialist

Hi I am looking at getting a 95% mortgage and I have a default from nearly 3 years ago which is settled for £565, do you think it would be possible to get a mortgage? The property I have seen is £165000. ...

Can I get a mortgage with 2 CCJ's on my credit file?

Created on 17 April 2014. Posted in Ask the Specialist

...  I don't think it would help adding your partner onto the mortgage application as the lender would want both mortgage applicants to meet their rules and policy on previous adverse credit. Having said ...

Soldiers Remembered – Forgotten by Lenders?

Created on 10 November 2013. Posted in Live News

... Post Office address, which is used for the delivery of mail around the world. These addresses do affect their credit rating. The use of automated credit systems and automated underwriting has an adverse ...

Sub-prime lender launches to help adverse borrowers

Created on 06 August 2013. Posted in Live News

A new sub-prime lender has launched into the mortgage market aimed at borrowers with an adverse credit record. Magellan Homeloans is the first major sub-prime lender to launch since the crash and a sign ...

Mortgages and Divorce – The Weapon of a Mortgage in Divorce Wars

Created on 12 May 2013. Posted in Live News

... to your solicitor to send a stern reminder to the other side that a joint mortgage is a’ joint and several’ liability. It is not a commitment of choice but a contractual liability. Adverse credit data ...

Mortgage Difficulties or Application Declined

Created on 14 November 2012. Posted in Landing Pages

MORTGAGE DIFFICULTIES or APPLICATION DECLINED Recently Declined? Unusual Property? Adverse Credit? Non Standard Income? Problem with Credit History? STEP 1 Enquire online ...

Mortgage Difficulties or Application Declined

Created on 14 November 2012. Posted in Landing Pages

MORTGAGE DIFFICULTIES or APPLICATION DECLINED Recently Declined? Unusual Property? Adverse Credit? Non Standard Income? Problem with Credit History? STEP 1 Enquire online ...

Buy to Let Mortgages

Created on 14 November 2012. Posted in Landing Pages

BUY TO LET MORTGAGES Up to 85% LTV No Minimum Income Adverse Considered All Types of Tenancy First Time & Professional Landlords STEP 1 Enquire online   STEP ...

Divorce Mortgages

Created on 14 November 2012. Posted in Landing Pages

DIVORCE MORTGAGES Transfers of Equity Adverse Considered 100% Maintenance Allowed No Court Order Necessary Income Stretch & Guarantors Available STEP 1 Enquire online ...

Right to Buy Mortgages

Created on 14 November 2012. Posted in Landing Pages

RIGHT TO BUY MORTGAGES No Deposit No Maximum Age Adverse Considered Up to 4 Applicants & Incomes Family & Non Family Guarantors STEP 1 Enquire online    ...

Shared Ownership Mortgages

Created on 14 November 2012. Posted in Landing Pages

SHARED OWNERSHIP MORTGAGES National Availability UK & Foreign Citizens Adverse Considered Staircasing to Full Ownership Up To 95% New Build Flats & Houses STEP 1 Enquire ...

Buy to Let Mortgages

Created on 14 November 2012. Posted in Landing Pages

Buy to Let Mortgages Up to 85% LTV No Minimum Income Adverse Considered All Types of Tenancy First Time & Professional Landlords STEP 1 Enquire online    ...

Mortgage Difficulties or Application Declined

Created on 14 November 2012. Posted in Landing Pages

Mortgage Difficulties or Application Declined Recently Declined? Unusual Property? Adverse Credit? Non Standard Income? Problem with Credit History? STEP 1 Enquire online ...