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Through our relationship with leading sub prime mortgage lenders, we have access to many exclusive products. You can take advantage of this and make your enquiry knowing that there is no charge to you should your sub prime mortgage or loan not complete.

If you are new to the property market or unsure whether you have what constitutes bad credit then we have put together a useful collection of information for you below. However you may know exactly what you have in mind and would like to proceed to our secure form processing no obligation enquiry. Then all you need do is click above or on the 'Apply' button.

Information for Mortgages for those with a bad credit history
If a borrower has a history of poor credit usage then this is described as Adverse or Bad Credit. Having a bad credit history could mean that you have experienced county court judgments, mortgage arrears or even bankruptcy in the past.

Or it could just be that you have in the past made a late payment (s) on a credit card or mortgage that at the time you didn't even realise was significant for gaining future credit. If this is the case you may well fall into the category of bad credit history.

Before a lender decides to offer you a mortgage or loan they do a credit check on you. This credit check will show any of the above situations but even if you are fiound to have a bad credit history you could still qualify for a mortgage whether it is through a high street lender or sub prime lender.

You may have a bad credit history if you have one of the following:County Court Judgements (CCJ), Bankruptcy, Mortgage arrears or any late payments on credit arrangements. Below we have explained what these mean.

Arrears: This describes the amount the borrower is behind in his mortgage repayments schedule. The amount is usually measured in either pounds or months.

Bankrupt: A Corporation, Firm or individual who, via a court proceeding, is relieved from paying all debts once assets have been surrendered to an appointed third party designated by the court.

County Court Judgements (CCJ): An adverse ruling by a County Court against a person who has not satisfied their debt payments with their creditors. Once the ruling has taken place it will be recorded against the persons credit history and will appear every time a credit search is done for the next seven years. If a person has a County Court Judgement against them it will have to be satisfied before they can get a mortgage. They will also find that the mortgages they can get will be at a higher interest rate.

Default: Failure of an individual to make payments on a mortgage at the correct time or to not comply with the mortgage companies requirements.

Is a bad debt mortgage different to a standard mortgage?A bad credit mortgage is no different to a standard mortgage, but is only intended for people with a bad credit history. It is sometimes referred to as a sub prime or non-status mortgage. It can come at a slightly higher rate than a standard mortgage however. As well as being called a bad debt mortgage it is also known as adverse credit mortgage, non status mortgage, sub prime mortgage, non standard mortgage, poor credit mortgage and a credit impaired mortgage.

Will my credit history improve after taking a bad credit mortgage?
Yes - Once you have obtained a bad credit mortgage you must keep to the lenders agreement and make your repayments on time in order to improve your payment profile which can be viewed by those providing credit to you or any credit application you make in the future. As long as you continue to do this for between one to three years your credit history may no longer be considered as "bad". So you could then remortgage to a standard mortgage again through us and then have a far wider choice of mortgage products at better rates.