| |
| CCJs,
decrees, defaults and arrears prevent individuals obtaining
mortgages.
However, notwithstanding
such problems, it is still possible to get a mortgage,
even if you do have an "adverse credit rating".
Albyn
Associates Financial Management can
advise and assist you in these complex areas. |
|
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| How
Do You Find Out What Adverse Credit You Have?
|
| There
are Credit Reference Agencies, who hold a copy of
your personal credit file. When you apply and
are assessed for credit, the lender will contact
the Credit Reference Agency to ascertain how good
your credit record is.
The
two companies who provide this service in the UK
are:
Albyn
Associates Financial Management have
no association with the Credit-Reference services
offered by Equifax or Experian. |
| |
| What
is Bad or Adverse Credit?
|
You
may have had a financial problem in the past, which
resulted in action being taken against you by a company
or other individual. This could have been due to:
-
Payment
Defaults
-
County
Court Judgments (CCJ's), or in Scotland, Sheriff
Court Decrees
-
Individual
Voluntary Arrangements (IVA's), or in Scotland,
Trust Deeds
-
Bankruptcy
-
Repossession
|
| |
| So,
I've Got Bad Credit, Can I Still Get a Mortgage?
|
| Yes,
you can. Depending on how bad your credit level
actually is, it is still possible to get a mortgage.
There are a number of specialist lenders who can
offer mortgages, and even some of the high street
lenders will lend in certain cases.
At Albyn
Associates Financial
Management we work closely
with all these lenders to assist your mortgage
application. |
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| We
Can Help! |
We
have a number of options available including:
-
Loans
up to 90% - depending on individual cases
-
Rates
linked to the Bank of England Base Rate (the
APR will depend on each individual case)
-
Defaults,
Arrears, Judgments, Decrees and Bankruptcy
-- all circumstances are considered.
|
| |
Interested? |
To
obtain a FREE personalised quote, simply
complete our enquiry form by CLICKING
HERE |
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