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Bad Credit Mortgage Specialists
Contractors can often have difficulty in obtaining a mortgage. We can help arrange a mortgage if you are a contractor, talk to us about your contract type so that we can determine the best lender for those circumstances.
Click Mortgages Consider All Credit Situations
Click Mortgages can help arrange your mortgage taking into account all your credit problems, from a missed credit card payment through to more serious issues such as bankruptcy.
We can Help with All Credit Situations
- Low Credit Score
- Missed Credit Card Payments
- Debt Management
Property Purchase, All types of purchase including:
- First Time Buyer up to 95% LTV
- Next Time Mover up to 95% LTV
- Right to Buy up to 100% of the price
- Shared Ownership up to 95% of share
- Help to Buy with only 5% deposit
Remortgages arranged for all types of reasons including:
- Get a better rate
- Repay debts and lower your payments
- Pay off an ex-partner
- Release cash for any purpose
Buy to Let Mortgages
- Up to 85% LTV
- Credit Problems accepted
- Purchase or Remortgage
- Available for First Time Buyer
- Mortgage amount linked to rental income
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Expert Advisers who understand credit problems, will guide you personally throughout the transaction.
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Some of The Mortgages We can Help you With.
The typical types of contracts:
Typically lenders will want to know about your contracting history ie. how long you have been contracting, the type of contract that you are now employed with, the length of contract and tax payment
Here are some of the most common questions, along with answers from our support experts.
We specialise in arranging Mortgages for clients with all sorts of credit issues from a missed credit card payment through to bankruptcy, this is our area of Expertise.
Most traditional High Street lenders do not offer Adverse credit mortgages, as the lending they do is primarily based around a High Credit Score. People with credit issues tend to have lower credit scores, however there are a range of Specialist Lenders who are fully regulated by the FCA that are willing to accept clients with credit problems. These lenders only accept clients that are introduced to them from an “Approved Broker” such as ourselves.
Specialist Lenders tend to look at when the credit problems occurred rather than using a pure credit score so this is a much more personal individual assessment. Specialist lenders tend to use a ‘soft’ credit search at this stage so this has no impact on your credit rating but allows the lender to understand your overall financial situation. We will assess your circumstances and choose the best lender and plan to meet your needs.
For a purchase the normal minimum deposit is 5% of the property price, however you may need a slightly higher deposit if there are significant credit problems. You do not need to have the deposit saved up as frequently buyers receive a gift for the deposit from a family member which is perfectly acceptable to mortgage lenders.
There are many types of contract workers, so we will need to fully understand the basis of your contract, pay rate, length of contract, history of contracting etc as each lender has different requirements. We can then source the best lender for your circumstances.