There are many reasons why someone will be declined for a mortgage for example:
- You have had County Court Judgements (CCJ's)
- You have a poor credit rating
- You have mortgage arrears
- You are a discharged bankrupt
- You have payment defaults
- You have been in an IVA (Individual Voluntary Arrangement)
- You've been turned down by other lenders in the past
If you have had defaults or county court judgments in the past, this does not mean you cannot get a mortgage now. If you have completed an IVA or you are a discharged bankrupt, you may still be eligible for a mortgage. Past credit problems don't mean that you cannot get a good mortgage interest rate now.
With our access to a range of adverse mortgage lenders and our expertise, ADH Mortgage Services may be able to help and as in many cases over the years.
You can still obtain a mortgage with a poor/adverse credit rating but it is important that you obtain professional advice. In order for us to assist you, call 01244 831023 (8am-8pm) or please complete our Mortgage Enquiry Form.